Sector Analysis Banks 2006-2010

Financial Statement Analysis of Financial Sector
2010
FINANCIAL STATEMENTS ANALYSIS OF

FINANCIAL SECTOR
2006-2010
CY06
CY07
Growth
Bil ion Rs.

Share Capital (SC)
9.5
Reserves (RS)
5.4
12 26.30%
15 177.80%
Un Appropriated Profit (RE)
15.6
40.7 160.90%
Others (MISC)
0.8
0.4 -50.00%
Total Shareholders Equity (SE)
31.3
68.1 117.60%
STATISTICS
AND DWH DEPARTMENT
i
STATE BANK OF PAKISTAN
2010
Vision and Mission Statements of State Bank of Pakistan
Vision
To Transform SBP into a modern and dynamic central bank, highly
professional and efficient, fully equipped to play a meaningful role, on
sustainable basis, in the economic and social development of Pakistan.
Mission
To promote monetary and financial stability and foster a sound and
dynamic financial system, so as to achieve sustained and equitable
economic growth and prosperity in Pakistan.
ii
2010
Team Leader
Shamsul Arifeen
Sr. Joint Director

shamsul.arifeen@sbp.org.pk
Team Members
Shahid Latif
Joint Director
shahid.latif@sbp.org.pk
Asif Ali
Assistant Director
Asif.ali4@sbp.org.pk
Sadia Batool
Assistant Director
Sadia.Batool@sbp.org.pk
iii
2010
CONTENTS
Preface .................................................................................................................................................................. v
Executive Summary.......................................................................................................................... vi
Introduction ......................................................................................................................................................... 1
1.1 Methodology ....................................................................................................................................... 2
1.2 Concepts and Definitions ......................................................................................................................3
1.3 Performance Indicators ......................................................................................................................14
Review and Financial Analysis
Banks ............................................................................................................................................................. 24
Development Finance Institutions (DFIs) .................................................................................................... 71
Leasing Companies ....................................................................................................................................... 82
Investment Banks ......................................................................................................................................... 96
Mutual Funds (Close Ended) ...................................................................................................................... 108
Modaraba Companies ................................................................................................................................ 130
Exchange Companies .................................................................................................................................. 158
Insurance Companies ................................................................................................................................. 181
Housing Finance .......................................................................................................................................... 230
Venture Capital ........................................................................................................................................... 234
Appendix ........................................................................................................................................................... 242

References ........................................................................................................................................................ 247
iv
2010
Preface
The Financial sector being an important component of the countrys economy having a share of about 5% in the
Gross Domestic Product essentially requires a sound, stable and robust financial system for economic well
being of the country and its populace.
Pakistans financial sector represents a well-developed integration of institutions of a diversified nature
including Banks, DFIs, Leasing Companies, Investment Banks, Mutual Funds, Modaraba Companies,
Exchange Companies, Insurance Companies, Housing Finance and Venture Capital. Disclosure and
transparency in information on business activities of financial institutions are of immense importance to
all stakeholders.
An overview of business and financial conditions of financial institutions is presented in a structured
manner in form of financial statements. For large financial institutions, the financial statements are often
complex and are prepared under international accounting standards. These statements usually include an
extensive set of notes to the financial statements. The notes typically describe each item on the balance
sheet, income statement and cash flow statement in further detail.
The stakeholders and users, on the other hand, also require financial indicators that can provide
information on how well the company is performing and what may happen in future. In order to meet the
growing need of the users, the Statistics & Data Warehouse Department carries out analysis of the financial
statements of all financial institutions on annual basis. Every endeavour is made to select useful and accurate
data from financial statements and compute ratios that can provide valuable clues about the financial
health of the organization. The analysis is published in form of this publication namely, Financial Statements
Analysis of Financial Sector. The publication covers analysis of financial statements of financial institutions for
the period 2006-10.
It is hoped that the publication will provide a tool to researchers, policy makers and investors to understand the
performance of financial sector of Pakistan. Comments on analysis and suggestions for further improvements in
the publication are very welcome.
(Dr Azizullah Khattak)

Director
Statistics & DWH Department
2010
Executive Summary
Financial statements analysis of 174 financial companies from 10 sectors namely Banks, DFIs, Leasing
companies, Investment Banks, Mutual Funds, Modarabas, Exchange companies, Insurance companies,
Housing Finance and Venture capital are included in this publication for the period 2006-10.
The balance sheet size shrank from Rs 6.5 trillion in calendar year (CY)09 to Rs 6.1 trillion in CY10,
showing a decrease of 5.3 percent over CY09. Profits before tax reduced by 5.2 percent in CY10 over the
previous year.
The Balance sheet size of DFIs decreased in 2010 as the total assets slightly reduced from previous years
level. Shareholders equity registered a growth of 8.6 percent over the previous year. The profit before tax
increased by 136.2 percent, whereas profit after increased by 36.5 percent during the year.
Performance of leasing sector in the country has not been encouraging during fiscal year (FY)10. Asset
base decreased by 34.5 percent to Rs 36.3 billion in FY10 from Rs 55.5 billion in FY09. The sector
showed losses before and after taxation of Rs.703.3 million & Rs.646.7 million respectively during FY10.
Analysis of the investment banks revealed that their balance sheet size contracted by 22.7 percent in
FY10 over FY09. The aggregate share capital increased by 3.6 percent. Losses before and after tax have
been Rs. 1.8 billion and Rs. 1.5 billion respectively. Gross revenue witnessed an increase of 9.5 percent
during FY10.
Performance of Mutual Funds (close ended) has been encouraging during FY10 as its balance sheet size
slightly expanded by 0.6 percent. Total assets increased from Rs 30.9 billion in FY09 to Rs 31.2 billion in
FY10. Net income was Rs. 4.2 billion in FY10 as compared to loss of Rs. 14.0 billion for FY09.
Modaraba Companies performed well during FY10. Total assets increased from Rs. 23.3 billion in FY09
to Rs 24.6 billion in FY10 showing an increase of 5.8 percent over FY09. Total equity witnessed an
increase of 4.1 percent in FY10 over FY09. Profit before and after tax, however significantly decreased
by 36.3 percent & 37.3 percent respectively in FY10.
vi
2010
The balance sheet size of Exchange Companies expanded during the period under review. Total assets
witnessed an increase of 13.0 percent to stand at around Rs 7.0 billion during CY10 as compared to Rs
6.2 billion in CY09. Decrease in profit before and after taxation of 10.5 percent and10.4 percent
respectively was recorded in CY10 over CY09.
CY10 turned out to be positive for insurance sector in Pakistan. The aggregate insurance business (both
life and non-life insurance including Takaful) grew sharply during CY10. Its balance sheet size expanded
by 14.3 percent and reached Rs 440.3 billion in CY10. Profit before and after taxation declined
considerably during CY10.
In housing finance sector, there have been two companies available, i.e., Asian Housing Finance Limited
and House Building Finance Corporation (HBFC). Total assets witnessed an increase of 3.3 percent to
stand at Rs 19.2 billion in FY10 as compared to Rs. 18.6 billion in FY09. House Building Finance
Corporation (HBFC) showed a profit before taxation of Rs140 million.
Venture Capital reflected contraction in balance sheet size during the period under review. Total equity
also contracted by around 257 percent during FY10. Total assets base stood at 6.2 billion in FY10.
Venture Capital showed losses before and after taxation at Rs 1.3 billion & Rs 1.1 billion respectively in
FY10.
vii
2010
Introduction
Statistics and Data Warehouse Department strives hard to disseminate quality statistics. It not only
produces primary data but also provides secondary data with analysis to the various stakeholders
including researchers and policy makers. As the performance of financial sector reflects the financial
health of an economy, standard analytical tools are used to gauge the performance of this vital sector.
The analysis1 includes the following sectors2:
Banks
DFIs
Investment Banks
Leasing Companies
Modaraba Companies
Insurance Companies
Exchange Companies
Mutual Funds (close ended)
Housing Finance
Venture Capital
Consolidation is provided at the beginning of each sectors analysis. For banks, consolidation is at
different levels. At first level, overall consolidation of all banks including foreign banks is given. The
information and ratios relating to number of ordinary shares, dividend earning per share and breakup
value per share are not taken into consideration because foreign banks do not have such type of
information. The level of consolidation for banks is as follows:
All Banks (overall)
Foreign Banks
Local Banks
Public Sector Banks
Private Sector Banks
Specialized Banks
Similarly, the analysis of individual insurance companies is also consolidated to reflect the financial
health of Insurance Sector. The level of consolidation is as follows:
Insurance Companies (overall)
Since each sector has peculiar business activities, therefore, for analysis separate set of variables was taken into consideration. Similarly an
associated set of financial ratios has also been selected for each sector.
2
Sector-wise list of analyzed financial institutions is provided in appendix" at the end of the text.
1
Life Insurance
Non-Life Insurance
Takaful
2010
The symbol appearing in the analytical tables stands for Not applicable or Not available
1.1 Methodology
Methodology is based on Ratio Analysis because it is a powerful tool to analyze financial statements
of any company. Ratio analysis measures inter relationship between different items of the financial
statements. Ratios are taken as guides for these are useful in evaluating a companys financial position
and operation and making comparison with results in previous years or with others in the same
industry. The primary purpose of ratio analysis is to point out areas requiring further investigation.
Ratios are calculated from the following financial statements and relevant notes to accounts.
Balance Sheet
Profit and Loss account
Statement of changes in Equity
Cash Flow Statement
Total shareholders equity is computed as the sum of ordinary share capital plus reserve & surplus plus
un-appropriated profit/(loss) while the revaluation, intangible assets etc. are aggregated in others of
shareholders equity section. For foreign banks, the ordinary share capital is replaced by head office
account. Since the financial sector comprises variety of financial institutions having peculiar business
activities, therefore, variables used for analysis would be different for each sector.
2010
1.2 Concepts and Definitions

Banks and Development Finance Institutions (DFIs)
Following variables are used for analysis of banks & DFIs.
Shareholders Equity
The sum of following items except others is considered for analysis:
Ordinary Share Capital or

Head Office Account (in case of foreign bank)
Reserves
Un-appropriated Profit/(loss)
Others
Liabilities
Bills Payables, Borrowings and Deposits being the major items contributing towards liabilities of
banks and DFIs are taken for analysis, the remaining heads of liabilities are pooled under others:
Bills Payables
Borrowing from Financial Institutions
Deposits and Other Accounts
Others
Assets
The following items are included in the analysis. The relevant information is taken from balance sheet
as well as respective notes to accounts.
Cash and Balances with Treasury Banks

Balances with Other Banks
Lending to financial Institutions
Investment
Gross Advances
Advances Non-Performing/Classified
Provision against Advances
Advances Net of Provision
Fixed Assets
Others
Profit and Loss Account

The following items are included for analysis. The relevant figures are obtained from profit and loss
accounts and notes to financial statements.
Interest Earned
Non-Interest Income
Interest Expensed
Non-Interest expense
Net Interest Income

Provision and write offs
Net Interest Income after Provision
Administrative Expenses
Profit/(loss) before Tax
Profit/(loss) after Tax
2010
Other Items
No. of Ordinary Shares

Outstanding shares at end of the period as shown in balance sheet.
Cash Dividend
The amount of cash dividend is taken as the percentage declared during the period.
Stock Dividend/Bonus Shares

The number of bonus shares declared is also taken as percentage amount distributed during the
period.
Cash Generated from Operating Activities

The amount is taken from cash flow statement
Commitment and Contingencies

This is an off balance sheet item. The detail is given in notes to accounts and the sum of all
kinds of commitments and contingencies is taken for analysis.
Leasing Companies
Following variables are involved in the analysis of Leasing Companies.
Shareholders Equity
Shareholders equity includes Share Capital, Reserves and un-appropriated profit/ (loss). Any other
item(s) mentioned in the balance sheet under shareholders equity is pooled under the head others.
Liabilities
Borrowings from financial institutions and deposits with financial institutions are the major items
contributing towards liabilities of leasing companies. For analysis, these two items are taken
separately while the remaining items of liabilities are pooled under others
Assets
Assets are classified into current and non-current. Major items of non-current assets are mentioned
below where remaining items of non-current assets are pooled under others
2010
Non-Current Assets
Term Deposit Certificates
Net finance-Investment
Advances Net
Fixed Assets
Others
Current Assets
Three main items are taken for analysis while the rest are pooled under others
Cash and Balances with Central Bank
Balances with Other Banks
Placement with Other Banks
Others

The amounts reported under the following heads are extracted from profit and loss accounts along
with relevant notes to accounts.
Income from Operating Lease
Administrative Expenses
Income from Investment
Profit/(Loss) before Tax
Income from Finances
Profit/(Loss) after Tax
Other Income
Other Items

The number of shares outstanding as on balance sheet date
Cash Dividend
The amount of cash dividend is taken as percentage of the dividend declared during the
period.
Stock Dividend
The number of bonus shares declared is also taken as percentage amount during the period.

The amount is taken from the cash flow statement.
2010
Investment Banks
Following variables are used in the analysis of Investment Banks.
Shareholders Equity
The composition and explanation of Shareholders Equity is same as explained earlier.
Liabilities
The amount of current and non-current liabilities is taken from the balance sheet and the sum of these
two is the same as total liabilities of the company.
Assets
Current assets are classified into cash and bank balances and others while non-current assets are
divided into three heads i.e., long term investment, fixed assets, and others.
Current Assets
Non-Current Assets
Cash and Banks Balances
Long Term Investment
Others
Fixed Assets
Others

The following items are taken for analysis. The relevant figures are taken from profit and loss account
and notes to financial statements.
Gross Revenues
Administrative and Operating Expenses
Operating Profit
Profit(Loss) before Tax
Profit(Loss) after Tax
Other Items
These include:
Cash Dividend
Stock Dividend
6
2010
Mutual Funds (Close Ended)

The analysis includes the following variables.
Shareholders Equity
The composition and explanation of Shareholders Equity is same as explained earlier.
Liabilities
As the financial activities of mutual funds are limited, the composition of liabilities is divided into two
heads as follows:
Payable to Investment Adviser
Others
Assets
The asset base of mutual fund is also not broad, therefore, for analysis it is limited to three items.
These are available in the companys balance sheet and notes to financial statements.
Investment
Others

The following items are taken into consideration for analysis. The relevant figures are obtained from
profit and loss account and notes to financial statements.
Interest Income
Other Income
Dividend Income
Remuneration to management Co.
Net Gain on Sale of Investment
Remuneration to Trustees/Custodian
Net unrealized Gain
Brokerage, Commission /Fee
Income from future transactions
Administrative and General Expenses
Capital gain
Other Expenses
2010
Other Items
The information on the following is extracted from the balance sheet and relevant notes to financial
statements:
Cash Dividend
Stock Dividend
Modaraba Companies
Following variables are included in the analysis of Modaraba Companies.
Certificate holders Equity

Modaraba Company issues certificates instead of shares. Therefore the amount subscribed through
issuing certificates is termed as certificate capital. For analysis, certificate holders equity is the sum of
certificate capital, reserves, and un-appropriated profit/ (loss). Any other items under the section of
Certificate holders equity is pooled under the head of others.
Certificates Capital
Reserves
Un-appropriated Profit(Loss)
Others
Liabilities
These include current and non-current liabilities taken from the balance sheet.
Assets
The current and non-current assets and their break up are taken from balance sheet. In case of current
assets the amount of cash and bank balances is taken separately while the remaining current assets are
pooled under others. Similarly, long term investment and fixed assets are taken individually while
the remaining non-current assets are pooled under others.
Current Assets
2010
Non-Current Assets
Others
Fixed Assets
Others

The following items are taken for analysis. The relevant figures are taken from profit and loss account
and notes to financial statements.
Gross Revenues
Modaraba Company Management Fee
Operating Expenses
Profit/(Loss) before Tax
Operating Profit
Profit/(Loss) after Tax
Other Items
These include:
No. of Certificates outstanding as mentioned in balance sheet.
Cash Dividend
Stock Dividend
Exchange Companies
Following variables are included for analysis of Exchange Companies.
Shareholders Equity
Share Capital
Reserves
Accumulated Profit/(Loss)
Others
Liabilities
These include:
Current Liabilities
Non-current Liabilities
2010
Assets
These include:-
Current Assets
Non-Current Assets
Others
Fixed Assets
Others

The following items are taken from profit and loss account of the company.
Revenues
Admin and General Expenses
Profit(loss) before Tax
Profit (loss) after Tax
Other Items
The following items are extracted mainly from notes to accounts of the company.
Cash Dividend
Stock Dividend
Housing Finance
Following variables are involved in the analysis of Housing Finance Company.
Shareholders Equity
The total shareholders equity is taken as sum of share capital, reserves, and un-appropriated
profit/(loss) while other items in the Shareholders equity section of balance sheet are pooled under
others.
Share Capital
Reserves
Un-appropriated profit/(loss)
Others
10
2010
Liabilities
These include current and non-current liabilities, the amounts of lease finance and long-term finance
are extracted from non-current liabilities section while the remaining items of non-current liabilities
are pooled under others.
Current liabilities
Noncurrent liabilities
Lease finance
Long term finance
Others
Assets
The following items of current and non-current assets are taken for analysis.
Current Assets
Non-Current Assets
Investment in Housing Finance
Others
Fixed Assets
Others
Profit and Loss account

The items included in the analysis are:
Revenue
Admin. and Operating Expenses
Other Expenses
Profit before Tax
Profit after Tax
Other Items
These include:
Cash Dividend
Stock Dividend
11
2010
Venture Capital
Following variables are included in the analysis of venture capital.
Shareholders Equity
The shareholders equity is the sum of share capital, reserve and un-appropriated profit (loss), while
the remaining items are pooled under others.
Share Capital
Reserves
Un Appropriated Profit/(Loss)
Others
Liabilities
These include current and non-current liabilities.
Current Liabilities
Non-Current Liabilities
Assets
The current and non-current assets include.
CURRENT ASSETS
Cash and Bank balances
NON-CURRENT ASSETS
Investment
Investment
Venture Investment
Others
Fixed Assets
Others

The following items are included in the analysis.
Income
Admin. and Operating Expense
Operating Profit
Profit/(Loss) Before Taxation
Profit/(Loss) After Taxation

12
Other Items
These include:-.
Cash Dividend
Stock Dividend
Insurance Companies
Following variables are involved in the analysis of Insurance Companies.
Shareholders Equity
These include:
Share Capital
Reserves
Un-appropriated Profit(Loss)
Others
Liabilities
These include: Balance in the Statutory Fund
Outstanding Claims, Premiums Received in
Advance,
Amount
Due
to
Other
Insurers
Other Liabilities
Assets
These include:
Cash and balances with Banks
Advances
13
2010
Deposit with Banks
Loan to Employees
Investment in Govt. and Others Securities
Other Assets
Investment in securities and Properties
2010

These include:
Interest/Investment Income
Net Claims
Net Premium
Underwriting Profit
Gross premium
Profit before Tax
Gross Claims
Profit after Tax
Other Items
These include:
Cash Dividend
Stock Dividend
1.3 Performance Indicators

Pakistans financial sector is an integration of institutions of diversified nature including Banks DFIs,
Leasing companies, Modaraba Companies, Insurance Companies, Investment Banks, etc. Therefore,
ratios used to analyze these sectors may be different in some cases as different sectors have peculiar
business activities but some ratios are common to all sectors. Some important ratios and their
explanations are given below which may be read in combination with the analysis sheet of each sector
separately.
Efficiency/Profitability Ratio
Spread Ratio
=
14
2010
Spread is the gap between interest rate a bank charges on loans and rate pays on deposits. The amount
of total interest earned divided by the total interest paid to depositors as mentioned in the income
statement. This ratio is useful for Banks and DFIs.
Net Interest Margin Ratio

=
*100
This ratio indicates the earning capacity through core banking business by utilizing all assets. Banks
normally borrow from savers and lend to investors. It is the ratio between the difference of interest
income and interest expense to total assets. It is also useful for Banks and DFIs.
Return on Assets (ROA)
This ratio expresses the capacity of earning profit by a bank on its total assets employed in the
business. It is calculated as percentage of net profit after tax to total assets. It is useful for whole
financial sector.
Return on Equity (ROE)

*100
Total Shareholders Equity (Pakistani Banks) = Share Capital + Reserves + Un-appropriated Profit
(Loss)
Total Shareholders Equity (Foreign Banks) =H.O Capital Account + Reserves +Unremitted Profit
This ratio expresses the return on shareholders equity. ROE is a direct measure of returns to the
shareholders. It is calculated as a percentage of the net profit after tax to total Shareholders equity. It
is also useful for whole financial sector.
Non-Interest Income to Total Assets Ratio
Ratio on incomes earned other than mark-up e.g. capital gains, commission, fee to total assets etc. This
ratio expresses how much income is earned other than mark-up through other functions of the bank by
employing total assets. It is useful for Banks and DFIs.
15
2010
Interest Ratio
This ratio expresses the payment of interest mainly to depositors. The lower the ratio, the less the
company is burdened by debt expenses. It is useful for Banks and DFIs.
Administrative Expenses to Profit before Tax
This ratio expresses the relationship between administrative expenses and profit before tax. Its purpose
is to evaluate the overhead structure of a financial institution and calculate the administrative expenses
as a percentage of profit before tax. It is useful for whole financial sector.
Net Interest Income after Provision to Total Assets
This is the ratio between interests earned less provision to total assets. It is useful for Banks and DFIs.
Non-Interest Expenses to Total Income
The ratio expresses the percentage of non-interest expenses to total income which reflects efficiency of
management in applying the banks resources. It is useful for Banks and DFIs.
Administrative Expenses to Non-Interest Income
This ratio expresses total administrative expenses to non-interest income. It gives percentage of
administrative expenses incurred in earning non-interest income. It is useful for Banks and DFIs.
Earnings per Share (EPS)
16
2010
EPS is the ratio between net profit after tax to number of shares outstanding at the end of the year as
shown in balance sheet and its relevant notes to accounts. It is useful for whole financial sector except
for Modaraba Companies where certificates are issued for raising capital.
Return on Capital Employed (ROCE)
ROCE is a ratio that indicates the efficiency and profitability of a companys capital investments. The
amount of capital employed is calculated by subtracting current liabilities from total assets. It is useful
for whole financial sector except for banks, DFIs, Insurance, mutual fund.
Return on Revenue (ROR)
This is a measure of a companys profitability, calculated as net income divided by revenue. This ratio
is useful for Leasing Company, Mutual Fund, etc.
Lease Ratio
The core function of a leasing company is to earn profit from operating and financial lease. This ratio
expresses how much portion of total income is being generated through its core business. It is useful
for leasing company.
Operating Expense Ratio

*100
It is a measure of operating efficiency i.e., how well the management controls its expenses. Operating
expense ratio can be used to gauge the general health of the core or other businesses. It is useful for
Modaraba and Investment Banks.
Gain Ratio
A total gain comprises gain on sales of securities, gain on re-measurement, gain on disposal of longterm investment, etc. It is useful for Mutual Fund.
17
2010
Trading Income Ratio
The core business of mutual fund is to gain from trading of shares and securities and the higher ratio
reflects that funds are being efficiently managed. Both figures are taken from the income statement. It
is useful for Mutual Fund.
Modaraba Management Fees to Operating Profit

*100
This shows cost of management as a percentage of operating profit. The percentage of total fund used
to cover expenses associated to Modaraba management fees. It is useful for Modaraba Companies.
Management Expenses Ratio
For mutual funds management expenses ratio is calculated by dividing remuneration to adviser by
total expenses.
Net Investment in Finance Lease to Total Assets
This ratio expresses the relationship of net investment in finance lease to total assets. This ratio is
useful for leasing companies.
Earning per Certificate
The ratio between profits after tax to number of certificates is an important efficiency ratio because it
reflects how much amount is earned on each certificate. It is useful for Modaraba Companies.
Claims incurred to Net Premium Ratio

*100
18
2010
This expresses the efficiency of insurance company and is calculated as the claim incurred on net
premium. Higher ratio indicates that the incurrence of claims is more than premium. It is useful for
insurance companies.
Underwriting profit to Net profit
The ratio shows the percentage of underwriting profit as of net profit. Underwriting profit is net of
underwriting income and expenses of the cost of obtaining new policies. This ratio is useful for
insurance companies.
Investment Income to Net Premium
The ratio shows the relationship between investment income and net premium. This is one of the ratios
used to measure efficiency of an insurance company.
Liquidity Ratios
Cash and Balances with Banks to Total Assets
This ratio expresses the percentage of total assets available in the form of highly liquid assets.
Total Deposit and other Accounts to Total assets
The ratio shows what percentage of total assets comprises total deposits and other accounts.
Investment and Total Assets
The ratio between Investment and total assets shows investment activity with reference to its total
assets. It indicates the portion of total assets used for investment in various venues. This ratio is useful
for banks, DFIs and insurance companies.
19
2010
Advances and Total Assets
This ratio expresses the relationship of advances (net) to total assets. This ratio is useful for banks and
DFIs.
Total Liabilities to Total Assets
The ratio shows the proportion of banks assets, which are financed through debt. This ratio is useful
for banks and DFIs.
Gross Advances to Deposits

*100
The ratio expresses the percentage of gross advances to deposits and expresses the utilization of
deposits in the core business of a bank, i.e., intermediation. This ratio is useful for banks and DFIs.
Gross advances to Borrowing and Deposits
The ratio expresses the percentage of gross advances to deposits and borrowings. This ratio shows
activity of a banking business as it reflects that advances are being made more/less than deposits. This
ratio is useful for banks and DFIs.
Current Ratio
This ratio shows how many times current assets cover current liabilities and the strength of the
company to pay immediate liabilities. This ratio is used for whole financial sector except for banks
and DFIs.
Long Term Investment to Total Assets
The ratio between long-term investments to total assets shows investment activity with reference to its
total assets. It indicates the portion of total assets used to invest in different venues.
20
2010
Assets Quality Ratios

Non-Performing Loans (NPLs) to Gross Advances
This ratio expresses the quality of loan portfolio of a bank. It shows the percentage of NPLs as gross
advances made by a bank and evaluates assets quality based on loan portfolio. This ratio is useful for
banks and DFIs.
Provision against NPLs and Gross Advances
The ratio between provisions against classified loans/advances to gross advances reflects the quality of
advances of banks and DFIs.
NPLs to Equity Ratio
Where,
Total Shareholders Equity (Pakistani Banks) = Share Capital + Reserves + Un-appropriated Profit (Loss)
Total Shareholders Equity (Foreign Banks) =H.O Capital Account + Reserves +Unremitted Profit
The ratio between NPLs to shareholders equity indicates the exposure of the common shareholders to
NPLs. This ratio is useful for banks and DFIs.
NPLs write-off to NPLs Provision Ratio
This ratio is calculated for banks and DFIs.
NPLs Provision to NPLs Ratio
The ratio reflects what percentage of provision has been made against NPLs. This ratio is useful for
Banks and DFIs.
21
2010
Capital/Leverage Ratios
Capital Ratio
Where,
Total Shareholders Equity (Pakistani Banks) = Share Capital + Reserves + Un-appropriated Profit
(Loss)
Total Shareholders Equity (Foreign Banks) =H.O Capital Account + Reserves +Unremitted Profit.
The ratio between shareholders equity and total assets expresses the percentage of equity in total
assets.
Contingent Liabilities and Commitment to Shareholders Equity

*100
The ratio between contingent liabilities and commitments to shareholders equity expresses exposure
of contingent liabilities and commitments by banks.
Break-Up Value per Share
Break-up Value is net worth per share and is an important criterion to measure financial soundness of
a company. The break-up value is calculated for whole financial sector except in case of foreign banks
and Modaraba Companies.
Deposits to Equity Ratio
The ratio shows the relationship between total deposits in a bank to the total shareholders equity.
Break-up Value per Certificate
Break-up value is net worth per certificate and is one of the important criteria to measure the financial
soundness of a company. This ratio is calculated for Modaraba Companies only.
Capital Ratio (Modaraba Company)
22
2010
The ratio expresses the percentage of equity in total assets. It is calculated for Modaraba Companies
only.
Cash Flow Ratios

Cash Flow to Profit after Tax
=
The ratio expresses proportions of cash being spun off from ongoing operations. This ratio is useful
for the whole financial sector.
Cash flow to Current Liabilities Ratio
The ratio reflects cash generation strength of a company to meet current liabilities. This ratio is
calculated for all sectors except investment banks, insurance companies, banks, DFIs and mutual
funds.
23
Review and Financial Analysis
2010
2010
BANKS
Performance at a Glance
The balance sheet size shrank from Rs 6.5 trillion in CY09 to Rs 6.1 trillion in CY10, showing a
decrease of 5.3 percent over CY09. Profits before tax reduced by 5.2 percent in CY10 over the previous
year.
Analysis of Balance Sheets
Components of Balance Sheets
The equity of banking sector witnessed

7,000
6,000
5,000
4,000
3,000
2,000
1,000
0
percent in CY10 over CY09. Total

assets and total liabilities registered
Billion Rs.
a decrease of Rs. 81.2 billion or 14.1
decreases of 5.3 percent and 4.1 percent

respectively in CY10 over CY09. The
-4%
-5%
-14%
Total SHE
Total
Liabilities
Total Assets
growth in total equity of foreign banks
CY 09
577
5,819
6,474
has been outstanding during the CY10
CY 10
496
5,580
6,134
Growth
-14%
-4%
-5%
0%
-2%
-4%
-6%
-8%
-10%
-12%
-14%
-16%
and witnessed an increase of 51.7

percent over previous year, however the growth in total equity of local banks witnessed a decrease of
18.4 percent in CY10 over CY09.
Analysis of Liabilities
Share of Deposits in Tatal Liabilies
Total deposits dropped to Rs 4.7 trillion

on CY10 as compared to Rs 4.8 trillion in
CY09 showing a marginal decrease of
100%
2.0 percent. The deposits have a share of
80%
around 83.7 percent in total liabilities in
60%
CY10, while the remaining components
40%
of
payables,
20%
borrowings, etc, have 16.3 percent share
0%
liabilities
i.e.,
bills
Others
81.9%
83.7%
Deposits
Borrowings &
Bills payble
CY 09
of total liabilities.
24
CY 10
2010
Analysis of Assets
Total assets of the banking sector decreased from Rs 6,474.4 billion in CY09 to Rs 6,134.1 billion in
CY10 registering a decline of 5.3
Major Components of Assets
percent. Investment grew by 10.7

by 8.4 percent in CY10. Lending to
financial institutions decreased by Rs
Billion Rs.
percent while gross advances declined
60.1 billion or 25.2 percent in CY10
4,000
3,500
3,000
2,500
2,000
1,500
1,000
500
0
the amount of lending was decreased by

33.5 percent in CY10, however in case
of foreign banks, it increased by 28.0
-8%
-12%
-25%
Cash &
Cash
Equl.
Lending
Investm
ent
Advanc
es
CY 09
720
238
1,701
3,536
CY 10
635
178
1,883
3,240
Growth(%)
-12%
-25%
11%
-8%
over CY09. In case of Pakistani banks,
15%
10%
5%
0%
-5%
-10%
-15%
-20%
-25%
-30%
11%
percent in CY10.
Analysis of Advances
NPL Analysis
8%
5%
Billion Rs.
NPL to Adv.
40%
33%
62%
NPL to SHE
NPL Prov. To NPL

52%
4,000
3,500
3,000
2,500
2,000
1,500
1,000
500
0
50%
46%
40%
30%
20%
10%
4%
-8%
0%
-10% -10%
Adv. Gross
NPL
Provision
Adv. Net
CY 09
3,536
305
301
3,235
CY 10
3,240
445
313
2,926
-8%
46%
4%
-10%
Growth(%)
-20%
Banks advances decreased to Rs 3.2 trillion in CY10 showing a decrease of 8.4 percent over CY09.
On the other hand, NPLs increased to Rs 445 billion in CY10 compared to Rs 305.0 billion in CY09.
NPLs to advances ratio increased to 13.7 percent in CY10 as compared to 8.6 percent in CY09. NPL
to share holders equity remained at 89.7 percent in CY10 while it was 52.8 percent in CY09. Further,
NPL provision to NPL is decreased to 70.4 percent in CY10 from 98.6 percent in CY09.
25
2010
Profitability and Operating Efficiency

CY 10
CY 09
In terms of profitability of banking sector,

120.0
percent in profit before tax to Rs 50.9 billion
100.0
during CY10 as compared to Rs 53.7 billion in
80.0
Billion Rs.
CY10 witnessed a decline of around 5.2
CY09. Profit after tax decreased from Rs 47.9
50.9
29.4
60.0
billion in CY09 to Rs 29.4 billion in CY10,
40.0
showing a decrease of 38.7 percent. Looking
20.0
at the efficiency, the return on assets (ROA)
0.0
53.7
48.0
Profit Before Taxation
Profit After Taxation
and return on equity (ROE) both declined

during CY10. ROE declined from 8.3 percent
CY 09
in CY09 to 5.9 percent in CY10 while ROA

50.0%
percent in CY10. During CY10, profit before
40.0%
& after taxation of Pakistani banks are

decreased by 9.4 percent and 41.8 percent
Growth
declined from 0.74 percent in CY09 to 0.48
CY 10
43.7%
45.1%
30.0%
5.9%
20.0%
10.0%
respectively over CY09. Spread ratio of
0.5%
8.3%
0.7%
0.0%
Spread Ratio
banking sector declined to 43.7 percent in
ROE
CY 10
CY 09
ROA
CY10 from 45.2 percent in CY09.

On the income side, Interest/mark-up income
Interest Income
during CY10 was Rs 542.2 billion as
Non-Interest Income
compared to Rs 591.3 billion in CY09

100.0%
8.3 percent over CY09. Non-interest/non-
80.0%
markup income also declined from Rs 104

billion during CY09 to Rs 88.2 billion during
Billion Rs.
witnessing an decrease of Rs 49.2 billion or
86.0%
85.0%
60.0%
40.0%
15.0%
CY10, depicting a decrease of 15.2 percent
20.0%
over CY09. Interest income to total income
0.0%
CY 09
increased from 85 percent to 86 percent
14.0%
CY 10
over CY09. Non-interest income decreased to 14 percent in CY10 from 15 in CY09.
26
All Banks - Overall

Items
A.Total equity (A1 to A3)
1.Share capital/head office capital account
2.Reserves
3.Un appropriated profit
4.Others
B.Total liabilities (B1 to B4)

1.Bills payable
2.Borrowings from financial institutions
3.Deposits and other accounts
4.Other/misc. liabilities
C.Total assets (C1 to C4 + C8 to C10)

1.Cash and balances with treasury banks
2.Balances with other banks
3.Lending to financial institutions
4.Investments
5.Gross advances
6.Advances-non-performing/classified
7.Provision against advances
8.Advances net of provision (C5 - C7)
9.Fixed assets
10.Other/misc. assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
331,386,671
163,408,629
104,080,958
63,897,084
64,463,850
3,817,847,790
58,773,919
418,336,738
3,141,966,704
198,770,429
4,213,698,311
402,479,823
174,044,738
203,579,158
804,124,587
2,472,723,457
175,025,866
124,155,790
2,348,567,667
87,421,942
193,480,396
435,990,804
231,530,188
118,940,698
85,519,918
108,613,011
4,626,769,389
82,075,093
452,050,150
3,854,364,311
238,279,835
5,171,373,204
469,267,797
147,510,726
190,577,446
1,275,225,750
2,842,331,732
204,625,366
159,434,804
2,682,896,928
168,544,767
237,349,790
505,469,823
277,045,918
148,257,246
80,166,659
62,957,129
5,074,659,145
69,530,488
460,028,229
4,226,432,569
318,667,859
5,643,086,097
477,615,770
184,087,341
188,414,080
1,085,196,330
3,417,406,346
256,574,388
237,965,887
3,179,440,459
191,279,879
337,052,238
577,489,516
322,555,374
160,847,946
94,086,196
77,834,856
5,819,081,404
71,535,546
654,221,038
4,767,568,432
325,756,388
6,474,405,776
535,829,420
184,565,619
238,334,964
1,700,945,540
3,536,281,538
305,012,840
300,791,664
3,235,489,874
214,981,241
364,259,118
496,319,926
355,672,961
168,791,010
(28,144,045)
57,359,198
5,580,430,922
67,353,624
571,381,154
4,670,684,664
271,011,480
6,134,110,046
476,641,395
158,136,959
178,262,389
1,883,016,588
3,239,522,889
445,326,866
313,290,894
2,926,231,995
202,240,090
309,580,630
301,311,863
129,874,785
171,437,078
20,258,591
146,652,481
68,118,332
100,152,674
96,141,879
118,675,491
78,257,115
383,579,497
183,686,714
199,892,786
61,165,329
141,321,995
92,849,866
125,859,144
123,286,772
107,153,118
77,935,097
482,070,799
246,295,314
235,775,485
104,266,763
130,344,598
103,289,492
166,010,509
160,702,985
63,261,197
43,415,974
591,254,959
324,366,818
266,888,101
115,339,021
151,550,776
104,006,652
185,579,517
181,757,429
53,706,784
47,987,899
542,177,331
300,110,853
236,688,896
93,488,117
147,156,497
88,162,502
161,777,910
167,422,101
50,921,714
29,438,202
140,389,565
2,179,891,108
418,781,554
3,205,635,962
1,849,272
2,565,591,273
617,468,117
2,969,658,632
375,982,696
3,114,742,972
D.Profit & loss account

1.Markup/interest earned
2.Markup/interest expenses
3.Net markup/interest income
4.Provisions and write-offs
5.Net markup/interest income after provisions
6.Non-markup/interest income
7.Non-markup/interest expenses
8.Administrative expenses
9.Profit/(loss) before taxation
10.Profit/(loss) after taxation
E.Other items
1.Cash generated from operating activities
2.Commitments and contigencies
F.Efficiency ratios/profitability ratios

1.Spread ratio (D3/D1)
2.Net markup/interest margin (D1-D2)/C
3.Return on equity (ROE) (D10/A)
4.Return on assets (ROA) (D10/C)
5.Non-markup/interest income to total assets (D6/C)
6.Net markup/interest income(after provisions) to total assets(D5/C)
7.Markup/interest expense to markup/interest income (D2/D1)
8.Admin. expesne to profit before tax. (D8/D9)
9.Non-markup/interest expense to total income D7/(D1+D6)
10.Admin. expense to non-markup/interest income(D8/D6)(times)
56.90%
4.07%
23.62%
1.86%
1.62%
3.48%
43.10%
0.81
27.11%
1.41
52.11%
3.87%
17.88%
1.51%
1.80%
2.73%
47.89%
1.15
26.42%
1.33
48.91%
4.18%
8.59%
0.77%
1.83%
2.31%
51.09%
2.54
28.36%
1.56
45.14%
4.12%
8.31%
0.74%
1.61%
2.34%
54.86%
3.38
26.69%
1.75
43.66%
3.95%
5.93%
0.48%
1.44%
2.40%
55.35%
3.29
25.67%
1.90
13.68%
19.08%
55.74%
74.57%
90.61%
78.70%
69.45%
11.93%
24.66%
51.88%
74.53%
89.47%
73.74%
66.00%
11.73%
19.23%
56.34%
74.90%
89.93%
80.86%
72.92%
11.13%
26.27%
49.97%
73.64%
89.88%
74.17%
65.22%
10.35%
30.70%
47.70%
76.14%
90.97%
69.36%
61.80%
7.08%
5.02%
52.82%
16.32%
70.94%
7.20%
5.61%
46.93%
38.36%
77.92%
7.51%
6.96%
50.76%
43.82%
92.75%
8.63%
8.51%
52.82%
38.35%
98.62%
13.75%
9.67%
89.73%
29.84%
70.35%
7.86%
6.58
9.48
8.43%
7.35
8.84
8.96%
5.08
8.36
8.92%
5.14
8.26
8.09%
6.28
9.41
1.79
5.37
0.04
12.87
12.77
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C1+C2)/C
2.Investment to total assets (C4/C)
3.Advances net of provisions to total assets (C8/C)
4.Deposits to total assets (B3/C)
5.Total liabilities to total assets (B/C)
6.Gross advances to deposits (C5/B3)
7.Gross advances to borrowing & deposits C5/(B2+B3)
H.Assets quality ratios

1.Non-performing loans to gross advances (C6/C5)
2.Provision against NPLs to gross advances (C7/C5)
3.NPLs to total equity (C6/A)
4.NPLs write off to NPLs provision (D4/C7)
5.Provision against NPL to NPLs (C7/C6)
I.Capital /leverage ratios

1.Capital ratio (A/C)
2.Commitments & contingencies to total equity (E2/A) (times)
3.Total deposit to total equity (B3/A) (times)
J.Cash flow ratio

1.Cash generated from operating activities to profit after tax (E1/D10) (times)
27
Local Banks - Overall

Items
1.Share capital
2.Reserves
4.Others
B.Total liabilities(B1 to B4)

1.Bills payable

4.Investments
5.Gross advances
8.Advances net of provision (C5-C7)
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
304,851,985
143,200,391
101,097,330
60,554,264
64,595,850
3,568,143,289
55,611,140
373,754,767
2,951,799,705
186,977,677
3,937,591,124
368,655,772
162,042,059
187,924,930
754,055,493
2,317,383,503
170,766,831
121,163,532
2,196,219,971
83,240,739
185,452,160
416,570,840
214,444,697
118,940,698
83,185,445
108,672,209
4,473,437,078
78,328,193
432,584,922
3,737,263,105
225,260,858
4,998,680,127
445,344,022
142,213,130
174,168,615
1,248,798,605
2,751,665,342
203,448,143
157,223,346
2,594,441,996
166,577,174
227,136,585
470,965,547
244,915,598
148,181,461
77,868,488
63,489,982
4,874,068,893
65,107,084
442,681,300
4,078,494,404
287,786,105
5,408,524,422
442,680,478
165,718,117
158,500,096
1,062,603,406
3,312,965,635
253,438,126
235,446,658
3,077,518,977
187,582,375
313,920,973
541,640,742
287,671,156
160,755,231
93,214,355
77,944,333
5,613,784,094
67,937,887
637,490,458
4,606,632,002
301,723,747
6,233,369,169
501,036,194
168,295,773
206,217,010
1,648,572,930
3,441,167,668
298,621,849
296,003,278
3,145,164,390
211,391,751
352,691,121
441,927,667
303,057,929
167,945,627
(29,075,889)
43,652,352
5,242,824,285
59,685,624
539,608,515
4,398,530,444
244,999,702
5,728,404,304
436,891,208
152,726,290
137,139,110
1,762,708,051
3,075,934,892
423,030,294
297,013,356
2,778,921,536
169,239,819
290,778,290
278,214,054
118,773,450
159,440,604
18,415,063
140,702,065
62,087,508
90,804,700
86,846,915
111,825,891
73,486,907
368,333,275
175,541,831
192,791,447
58,426,217
136,959,768
87,927,505
119,082,194
117,431,866
104,645,480
76,175,349
463,838,210
237,196,646
226,641,564
99,698,545
125,735,437
97,517,397
155,635,765
150,384,735
63,254,685
42,765,351
568,991,933
312,169,683
256,822,210
110,612,012
146,210,238
98,397,974
173,525,486
169,859,329
54,557,356
48,797,277
514,830,501
290,099,278
224,781,223
89,393,994
139,342,947
82,738,130
150,293,323
156,118,139
49,408,874
28,417,866
14,376,460
21,413,538
24,452,483
28,727,997
30,213,352

2.Markup/interest expensed
E.Other items
1.No. of ordinary shares
2.Cash dividend
3.Stock dividend/bonus shares
N/A
N/A
128,804,651
1,790,210,145
N/A
N/A
419,615,976
2,692,648,071
N/A
N/A
(30,881,293)
2,165,108,445
N/A
N/A
562,404,446
2,580,566,610
N/A
N/A
355,325,122
2,614,651,649
57.31%
4.05%
0.24
1.87%
1.58%
3.57%
42.69%
0.78
26.68%
1.40
5.11
52.34%
3.86%
0.18
1.52%
1.76%
2.74%
47.66%
1.12
26.10%
1.34
3.56
48.86%
4.19%
0.09
0.79%
1.80%
2.32%
51.14%
2.38
27.72%
1.54
1.75
45.14%
4.12%
0.09
0.78%
1.58%
2.35%
54.86%
3.11
26.00%
1.73
1.70
43.66%
3.92%
0.06
0.50%
1.44%
2.43%
56.35%
3.16
25.15%
1.89
0.94
13.48%
19.15%
55.78%
74.96%
90.62%
78.51%
69.68%
11.75%
24.98%
51.90%
74.76%
89.49%
73.63%
65.99%
11.25%
19.65%
56.90%
75.41%
90.12%
81.23%
73.28%
10.74%
26.45%
50.46%
73.90%
90.06%
74.70%
65.62%
10.29%
30.77%
48.51%
76.78%
91.52%
69.93%
62.29%
7.37%
7.61%
56.02%
15.20%
70.95%
7.39%
7.44%
48.84%
37.16%
77.28%
7.65%
10.92%
53.81%
42.34%
92.90%
8.68%
8.60%
55.13%
37.37%
99.12%
13.75%
9.66%
95.72%
30.10%
70.21%
7.74%
5.87
21.20
9.68
8.33%
6.46
19.45
8.97
8.71%
4.60
19.26
8.66
8.69%
4.76
18.85
8.50
7.71%
5.92
14.63
9.95
1.75
5.51
-0.72
11.53
12.50

6.Net markup/interest income(after prov.) to total assets(D5/C)
8.Admin. expense to profit before tax. (D8/D9) (times)
10.Admin. expense to non-markup/interest income (D8/D6) (times)
11.Earning per share (D10/E1)
G.Liquidity ratios

7.Gross advances to borrowing & deposit C5/(B2+B3)

1.Non-performing loan to gross advances (C6/C5)
2.Provisions against NPLs to gross advances (C7/C5)
3.NPLs to shareholders equity (C6/A)
4.NPLs write off to NPLs provisions (D4/C7)

3.Break up value per share (A/E1)
J.Cash flow ratio

1.Cash generated from opration activities to profit after tax (E4/D10) (times)
28
Public Sector Banks - Overall

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
67,368,318
12,277,801
19,320,882
35,769,635
34,647,054
734,145,090
11,674,603
23,950,832
665,737,606
32,782,049
836,160,462
94,960,320
48,419,975
38,784,613
179,883,222
465,064,714
41,840,789
35,378,658
429,686,056
12,045,780
32,380,496
90,977,453
16,671,332
24,729,769
49,576,352
51,320,469
893,595,159
8,541,822
30,071,917
812,969,640
42,011,780
1,035,893,081
111,258,061
43,513,302
28,017,600
296,355,059
526,923,813
44,053,993
39,203,981
487,719,832
29,537,449
39,491,778
93,237,138
18,544,359
29,033,178
45,659,601
18,749,454
930,323,564
11,663,371
53,675,530
819,683,051
45,301,612
1,042,310,156
119,322,457
44,286,770
20,394,708
204,784,000
629,389,241
46,182,798
68,723,074
560,666,167
28,051,915
64,804,139
105,947,390
21,339,327
30,772,821
53,835,242
24,407,777
1,048,855,345
12,159,963
62,735,275
925,579,944
48,380,163
1,179,210,512
128,768,167
33,574,566
23,167,380
262,378,136
702,391,244
47,425,052
80,306,472
622,084,772
29,836,672
79,400,819
22,485,279
17,558,175
9,588,563
(4,661,459)
2,844,231
378,829,498
3,370,018
21,969,713
342,319,425
11,170,342
404,159,008
29,381,894
14,221,027
14,633,604
100,961,868
239,080,287
51,555,473
28,607,493
210,472,794
7,847,740
26,640,081
58,326,659
22,998,660
35,327,999
3,109,850
32,218,149
15,485,832
16,174,937
15,851,759
31,539,251
21,195,524
71,174,301
32,896,942
38,277,359
7,287,953
30,989,906
19,795,675
17,563,511
17,311,928
33,235,659
23,856,716
82,390,735
42,609,185
39,781,550
30,489,527
9,292,023
21,028,786
23,756,378
21,993,798
6,564,431
5,642,453
99,987,156
58,902,037
41,085,119
32,340,670
8,744,449
23,658,764
27,820,970
26,542,786
4,582,243
7,435,057
35,625,221
26,909,381
8,715,840
21,126,108
(11,764,736)
6,774,674
8,948,066
8,738,096
(13,938,128)
(7,822,720)
1,227,780
1,667,133
1,854,436
2,133,932
1,755,817

E.Other items
2.Cash dividend
N/A
N/A
20,690,662
342,542,955
N/A
N/A
117,131,331
453,678,543
N/A
N/A
(45,155,885)
294,175,142
N/A
N/A
5,620,493
290,828,179
N/A
N/A
(5,845,144)
162,900,772
60.57%
4.23%
0.31
2.53%
1.85%
3.85%
39.43%
0.50
21.91%
1.02
17.26
53.78%
3.70%
0.26
2.30%
1.91%
2.99%
46.22%
0.52
19.31%
0.87
14.31
48.28%
3.82%
0.06
0.54%
2.02%
0.89%
51.72%
3.35
22.97%
1.05
3.04
41.09%
3.48%
0.07
0.63%
2.01%
0.74%
58.91%
5.79
22.50%
1.12
3.48
24.47%
2.16%
-0.35
-1.94%
1.68%
-2.91%
75.53%
-0.63
21.10%
1.29
-4.46
17.15%
21.51%
51.39%
79.62%
87.80%
69.86%
67.43%
14.94%
28.61%
47.08%
78.48%
86.26%
64.81%
62.50%
15.70%
19.65%
53.79%
78.64%
89.26%
76.78%
72.07%
13.77%
22.25%
52.75%
78.49%
88.95%
75.89%
71.07%
10.79%
24.98%
52.08%
84.70%
93.73%
69.84%
65.63%
9.00%
3.52%
62.11%
8.79%
84.56%
8.36%
4.49%
48.42%
18.59%
88.99%
7.34%
5.64%
49.53%
44.37%
148.81%
6.75%
11.43%
44.76%
40.27%
169.33%
21.56%
11.97%
229.29%
73.85%
55.49%
8.06%
5.08
54.87
9.88
8.78%
4.99
54.57
8.94
8.95%
3.16
50.28
8.79
8.98%
2.75
49.65
8.74
5.56%
7.24
12.81
15.22
0.98
4.91
-8.00
0.76
0.75

G.Liquidity ratios



J.Cash flow ratio

29
FIRST WOMEN BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
868,479
283,650
175,759
409,070
66,153
8,054,770
62,057
931,520
7,061,193
0
8,989,402
705,703
301,056
1,431,628
3,137,533
3,114,821
47,503
48,572
3,066,249
153,060
194,173
1,028,116
283,650
207,336
537,130
60,128
7,897,332
193,321
21,543
7,682,468
0
8,985,576
809,657
384,792
1,245,000
3,159,640
3,129,582
85,282
66,075
3,063,507
148,686
174,294
1,135,800
283,650
228,540
623,610
(32,767)
6,200,688
101,993
27,140
5,939,308
132,247
7,303,721
575,929
400,761
350,849
2,264,088
3,409,842
105,512
105,512
3,304,330
174,833
232,931
1,058,318
283,650
228,540
546,128
35,049
9,164,693
89,020
31,328
8,756,793
287,552
10,258,060
713,140
586,849
1,136,025
4,097,423
3,481,854
207,633
207,633
3,274,221
203,972
246,430
1,084,517
283,650
233,282
567,585
21,504
11,597,139
102,182
966,885
10,195,214
332,858
12,703,160
836,311
600,228
926,323
3,430,251
6,535,694
430,232
227,554
6,308,140
188,248
413,659
722,410
237,905
484,505
5,583
478,922
61,874
284,312
284,219
256,484
165,910
685,346
171,694
513,652
18,065
495,587
82,485
339,650
332,517
238,422
157,887
736,103
212,601
523,502
50,153
473,349
90,343
373,249
367,798
190,443
106,020
896,476
408,000
488,476
179,549
308,927
66,879
462,060
451,930
(86,254)
(80,101)
1,374,548
763,841
610,707
76,899
533,808
57,141
536,272
533,679
54,677
23,711
28,365
0.00%
0.00%
(2,228,763)
532,835
28,365
0.00%
0.00%
214,391
198,418
28,365
0.00%
0.00%
(930,303)
202,048
28,365
0.00%
0.00%
2,108,232
226,087
28,365
0.00%
0.00%
(521,807)
201,272
67.07%
5.39%
0.19
1.85%
0.69%
5.33%
32.93%
1.11
36.25%
4.59
5.85
74.95%
5.72%
0.15
1.76%
0.92%
5.52%
25.05%
1.39
44.23%
4.03
5.57
71.12%
7.17%
0.09
1.45%
1.24%
6.48%
28.88%
1.93
45.16%
4.07
3.74
54.49%
4.76%
-0.08
-0.78%
0.65%
3.01%
45.51%
-5.24
47.96%
6.76
-2.82
44.43%
4.81%
0.02
0.19%
0.45%
4.20%
55.57%
9.76
37.46%
9.34
0.84
11.20%
34.90%
34.11%
78.55%
89.60%
44.11%
38.97%
13.29%
35.16%
34.09%
85.50%
87.89%
40.74%
40.62%
13.37%
31.00%
45.24%
81.32%
84.90%
57.41%
57.15%
12.67%
39.94%
31.92%
85.37%
89.34%
39.76%
39.62%
11.31%
27.00%
49.66%
80.26%
91.29%
64.11%
58.55%
1.53%
2.73%
3.09%
5.96%
5.47%
11.49%
102.25%
8.29%
27.34%
77.48%
9.29%
47.53%
100.00%
19.62%
86.47%
100.00%
6.58%
3.48%
39.67%
33.79%
52.89%
9.66%
0.61
30.62
8.13
11.44%
0.19
36.25
7.47
15.55%
0.18
40.04
5.23
10.32%
0.21
37.31
8.27
8.54%
0.19
38.23
9.40
1.36
-8.77
-26.32
-22.01

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

-13.43
30
NATIONAL BANK OF PAKISTAN

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
53,044,649
7,090,712
13,879,260
32,074,677
28,909,469
553,178,593
10,605,663
11,704,079
501,872,243
28,996,608
635,132,711
78,625,227
40,641,679
23,012,732
139,946,995
348,370,458
36,259,886
32,260,052
316,110,406
9,681,974
27,113,698
69,270,631
8,154,319
15,772,124
45,344,188
47,067,023
645,855,939
7,061,902
10,886,063
591,907,435
36,000,539
762,193,593
94,873,249
37,472,832
21,464,600
210,787,868
375,090,202
38,317,552
34,413,102
340,677,100
25,922,979
30,994,965
81,367,002
8,969,751
19,941,047
52,456,204
21,092,216
715,299,108
10,219,061
40,458,926
624,939,016
39,682,105
817,758,326
106,503,756
38,344,608
17,128,032
170,822,491
457,828,029
56,462
44,841,164
412,986,865
24,217,655
47,754,919
94,791,919
10,763,702
22,681,707
61,346,510
24,764,459
824,676,384
10,621,169
45,278,138
726,464,825
42,312,252
944,232,762
115,827,868
28,405,564
19,587,176
217,642,822
530,862,393
70,923
55,618,962
475,243,431
25,147,192
62,378,709
10,740,123
6,982,550
1,380,010
2,377,563
339,868
143,672,434
1,767,370
5,829,296
131,070,328
5,005,440
154,752,425
12,780,806
9,939,660
10,511,855
54,966,907
58,046,309
4,318,323
3,851,146
54,195,163
3,066,100
9,291,934
44,100,934
13,947,218
30,153,716
2,371,546
27,782,170
12,162,892
13,634,485
13,443,441
26,310,577
17,022,346
50,569,481
16,940,011
33,629,470
4,722,735
28,906,735
13,544,845
14,391,079
14,205,911
28,060,501
19,033,773
60,942,798
23,884,768
37,058,030
10,970,814
26,087,216
16,415,862
19,502,080
18,171,198
23,000,998
15,458,590
77,947,697
39,489,649
38,458,048
11,669,335
26,788,713
19,025,357
23,513,897
22,571,470
22,300,173
18,211,846
12,290,549
6,606,474
5,684,075
1,496,476
4,187,599
2,475,030
4,535,669
4,460,804
2,126,960
1,649,588
709,071
0.40%
0.15%
10,176,913
295,045,324
815,432
0.75%
0.10%
78,804,419
385,849,667
896,975
65.00%
20.00%
2,532,681
241,861,468
1,076,370
75.00%
25.00%
45,451,673
236,732,608
698,255
0.00%
0.15%
41,257,569
108,236,057
68.37%
4.75%
0.32
2.68%
1.92%
4.37%
31.63%
0.51
24.23%
1.11
24.01
66.50%
4.41%
0.27
2.50%
1.78%
3.79%
33.50%
0.51
22.45%
1.05
23.34
60.81%
4.53%
0.19
1.89%
2.01%
3.19%
39.19%
0.79
25.21%
1.11
17.23
49.34%
4.07%
0.19
1.93%
2.01%
2.84%
50.66%
1.01
24.25%
1.19
16.92
46.25%
3.67%
0.15
1.07%
1.60%
2.71%
53.75%
2.10
30.72%
1.80
2.36
18.78%
22.03%
49.77%
79.02%
87.10%
69.41%
67.83%
17.36%
27.66%
44.70%
77.66%
84.74%
63.37%
62.23%
17.71%
20.89%
50.50%
76.42%
87.47%
73.26%
68.81%
15.28%
23.05%
50.33%
76.94%
87.34%
73.07%
68.79%
14.68%
35.52%
35.02%
84.70%
92.84%
44.29%
42.40%
10.41%
10.22%
0.01%
68.36%
7.35%
88.97%
55.32%
13.72%
89.81%
0.07%
24.47%
79,418.31%
0.01%
10.48%
0.07%
20.98%
78,421.61%
7.44%
6.63%
40.21%
38.86%
89.18%
8.35%
5.56
74.81
9.46
9.09%
5.57
84.95
8.54
9.95%
2.97
90.71
7.68
10.04%
2.50
88.07
7.66
6.94%
10.08
15.38
12.20
0.60
4.14
0.16
2.50
25.01

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

31
THE BANK OF KHYBER

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,796,222
2,000,949
728,631
66,642
204,686
24,182,304
150,435
4,325,809
19,076,564
629,496
27,183,212
1,574,531
3,755,151
2,493,430
8,565,483
11,108,715
3,187,646
1,919,268
9,189,447
142,002
1,463,168
5,568,253
4,002,984
1,323,077
242,192
307,977
23,863,487
348,952
1,321,396
21,410,828
782,311
29,739,717
1,364,853
3,728,016
2,858,000
8,945,856
12,174,026
2,301,268
2,088,386
10,085,640
213,025
2,544,327
5,677,816
4,002,984
1,436,359
238,473
(996,600)
26,657,773
122,516
910,691
24,732,195
892,371
31,338,989
1,557,715
3,362,946
2,282,494
8,985,441
14,925,119
3,331,487
2,281,305
12,643,814
187,589
2,318,990
5,040,633
5,004,001
435,342
(398,710)
921,664
32,848,273
229,973
5,147,036
26,285,794
1,185,470
38,810,570
1,542,102
2,403,698
1,810,846
17,925,911
14,820,746
4,457,159
2,984,784
11,835,962
1,013,670
2,278,381
5,604,119
5,004,001
548,039
52,079
3,796,254
41,393,930
280,665
2,894,759
36,981,351
1,237,155
50,794,303
5,079,720
1,502,684
2,562,093
19,852,730
21,272,033
4,117,581
3,033,700
18,238,333
1,121,554
2,437,189
1,924,279
1,304,742
619,537
358,995
260,542
306,677
375,957
372,129
203,469
203,013
2,380,380
1,845,360
535,020
659,384
(124,364)
745,552
543,763
522,723
91,014
219,437
2,958,865
1,897,816
1,061,049
238,593
822,456
339,755
956,315
654,869
205,896
137,348
3,390,014
2,390,388
999,626
1,261,819
(262,193)
383,702
920,279
719,453
(798,770)
(637,183)
4,207,155
2,925,066
1,282,089
322,766
1,604,855
59,677
951,391
943,680
713,141
563,486
200,095
0.00%
0.00%
2,745,400
4,420,004
400,298
0.00%
0.00%
(2,390,426)
4,641,163
400,298
25.00%
0.00%
1,626,745
5,208,484
500,400
0.00%
0.00%
6,445,596
6,966,342
500,400
0.00%
0.00%
1,804,102
7,560,301
32.20%
2.28%
0.07
0.75%
1.13%
0.96%
67.80%
1.83
16.85%
1.21
1.01
22.48%
1.80%
0.04
0.74%
2.51%
-0.42%
77.52%
5.74
17.40%
0.70
0.55
35.86%
3.39%
0.02
0.44%
1.08%
2.62%
64.14%
3.18
28.99%
1.93
0.34
29.49%
2.58%
-0.13
-1.64%
0.99%
-0.68%
70.51%
-0.90
24.39%
1.88
-1.27
30.47%
2.52%
0.10
1.11%
0.12%
3.16%
69.53%
1.32
22.30%
15.81
1.13
19.61%
31.51%
33.81%
70.18%
88.96%
58.23%
47.47%
17.12%
30.08%
33.91%
71.99%
80.24%
56.86%
53.55%
15.70%
28.67%
40.35%
78.92%
85.06%
60.35%
58.20%
10.17%
46.19%
30.50%
67.73%
84.64%
56.38%
47.15%
12.96%
39.08%
35.91%
72.81%
81.49%
57.52%
53.35%
28.70%
18.90%
22.32%
30.07%
114.00%
18.70%
60.21%
41.33%
31.57%
90.75%
58.68%
10.46%
68.48%
88.42%
42.28%
66.97%
19.36%
14.26%
73.47%
10.64%
73.68%
10.29%
1.58
13.97
6.82
18.72%
0.83
13.91
3.85
18.12%
0.92
14.18
4.36
12.99%
1.38
10.07
5.21
11.03%
1.35
11.20
6.60

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

13.52
32
-10.89
11.84
-10.12
3.20
THE BANK OF PUNJAB

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
10,658,968
2,902,490
4,537,232
3,219,246
5,466,746
148,729,423
856,448
6,989,424
137,727,606
3,155,945
164,855,137
14,054,859
3,722,089
11,846,823
28,233,211
102,470,720
2,345,754
1,150,766
101,319,954
2,068,744
3,609,457
15,110,453
4,230,379
7,427,232
3,452,842
3,885,341
215,978,401
937,647
17,842,915
191,968,909
5,228,930
234,974,195
14,210,302
1,927,662
2,450,000
73,461,695
136,530,003
3,349,891
2,636,418
133,893,585
3,252,759
5,778,192
5,056,520
5,287,974
7,427,232
(7,658,686)
(1,313,395)
182,165,995
1,219,801
12,278,773
164,072,532
4,594,889
185,909,120
10,685,057
2,178,455
633,333
22,711,980
153,226,251
42,689,337
21,495,093
131,731,158
3,471,838
14,497,299
5,056,520
5,287,974
7,427,232
(7,658,686)
(1,313,395)
182,165,995
1,219,801
12,278,773
164,072,532
4,594,889
185,909,120
10,685,057
2,178,455
633,333
22,711,980
153,226,251
42,689,337
21,495,093
131,731,158
3,471,838
14,497,299
5,056,520
5,287,974
7,427,232
(7,658,686)
(1,313,395)
182,165,995
1,219,801
12,278,773
164,072,532
4,594,889
185,909,120
10,685,057
2,178,455
633,333
22,711,980
153,226,251
42,689,337
21,495,093
131,731,158
3,471,838
14,497,299
11,579,036
7,508,795
4,070,241
373,726
3,696,515
2,954,389
1,880,183
1,751,970
4,768,721
3,804,255
17,539,094
13,939,877
3,599,217
1,887,769
1,711,948
5,422,793
2,289,019
2,250,777
4,845,722
4,445,619
17,752,969
16,614,000
1,138,969
19,229,967
(18,090,998)
4,182,826
2,924,734
2,799,933
(16,832,906)
(10,059,505)
17,752,969
16,614,000
1,138,969
19,229,967
(18,090,998)
4,182,826
2,924,734
2,799,933
(16,832,906)
(10,059,505)
17,752,969
16,614,000
1,138,969
19,229,967
(18,090,998)
4,182,826
2,924,734
2,799,933
(16,832,906)
(10,059,505)
290,249
0.00%
0.33%
9,997,112
42,544,792
423,038
0.00%
0.35%
40,502,947
62,989,295
528,797
528,797
(48,385,008)
46,903,142
(48,385,008)
46,903,142
528,797
0.00%
0.00%
(48,385,008)
46,903,142
35.15%
2.47%
0.36
2.31%
1.79%
2.24%
64.85%
0.37
12.94%
0.59
13.11
20.52%
1.53%
0.29
1.89%
2.31%
0.73%
79.48%
0.46
9.97%
0.42
10.51
6.42%
0.61%
-1.99
-5.41%
2.25%
-9.73%
93.58%
-0.17
13.33%
0.67
-19.02
6.42%
0.61%
-1.99
-5.41%
2.25%
-9.73%
93.58%
-0.17
13.33%
0.67
-19.02
6.42%
0.61%
-1.99
-5.41%
2.25%
-9.73%
93.58%
-0.17
13.33%
0.67
-19.02
10.78%
17.13%
61.46%
83.54%
90.22%
74.40%
70.81%
6.87%
31.26%
56.98%
81.70%
91.92%
71.12%
65.07%
6.92%
12.22%
70.86%
88.25%
97.99%
93.39%
86.89%
6.92%
12.22%
70.86%
88.25%
97.99%
93.39%
86.89%
6.92%
12.22%
70.86%
88.25%
97.99%
93.39%
86.89%
2.29%
2.45%
27.86%
27.86%
22.01%
32.48%
49.06%
22.17%
71.60%
78.70%
844.24%
89.46%
50.35%
844.24%
89.46%
50.35%
27.86%
14.03%
844.24%
89.46%
50.35%
6.47%
3.99
36.72
12.92
6.43%
4.17
35.72
12.70
2.72%
9.28
9.56
32.45
2.72%
9.28
9.56
32.45
2.72%
9.28
9.56
32.45
2.63
9.11
4.81
4.81
4.81

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

33
Private Sector Banks - Overall

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
248,727,756
116,470,445
80,152,008
52,105,303
28,915,088
2,704,821,416
43,585,396
263,365,254
2,272,570,838
125,299,928
2,982,464,260
271,384,521
99,080,645
148,847,863
557,690,877
1,757,860,225
92,699,106
61,943,716
1,695,916,509
68,804,788
140,739,057
335,558,244
182,923,895
92,324,287
60,310,062
54,306,190
3,445,854,766
69,288,789
315,173,884
2,909,973,436
151,418,657
3,835,719,200
330,722,925
80,978,851
144,267,071
936,617,336
2,129,767,639
128,088,718
95,687,146
2,034,080,493
133,328,851
175,723,673
385,359,458
210,865,136
116,709,912
57,784,410
41,246,518
3,809,399,381
52,687,992
305,687,636
3,244,927,861
206,095,892
4,236,005,357
320,517,786
103,115,398
137,405,388
845,773,291
2,582,387,596
184,544,581
145,648,689
2,436,738,907
154,423,798
238,030,789
444,129,604
250,825,234
127,537,440
65,766,930
49,970,978
4,431,866,988
55,027,087
491,820,902
3,667,789,764
217,229,235
4,925,967,570
369,535,987
116,590,148
182,534,916
1,374,670,414
2,638,694,641
222,271,186
194,915,393
2,443,779,248
176,476,618
262,380,239
425,814,184
269,992,746
153,516,028
2,305,410
37,133,478
4,732,515,640
55,626,229
437,304,611
4,041,426,121
198,158,679
5,195,463,302
404,584,393
120,716,595
122,396,704
1,650,082,715
2,737,590,401
343,277,081
247,464,081
2,490,126,320
156,313,741
251,242,834
211,613,148
91,601,562
120,011,586
12,284,598
108,176,864
40,926,150
67,886,719
67,002,236
81,200,293
53,362,811
287,468,766
137,649,901
149,818,868
46,568,286
104,770,698
61,874,183
95,778,014
94,277,551
69,834,448
51,435,338
370,761,372
189,477,389
181,283,983
67,875,442
113,412,163
70,125,358
125,060,096
122,545,992
52,529,021
34,800,231
458,148,526
247,069,200
211,079,326
76,501,736
134,577,590
68,429,864
139,439,745
136,747,079
46,772,907
39,560,687
468,261,433
257,785,425
210,476,008
65,994,578
147,661,088
69,559,148
135,071,291
141,454,709
59,715,435
33,965,952
11,755,894
18,314,321
21,086,511
25,082,523
26,960,119

E.Other items
2.Cash dividend
N/A
N/A
109,749,218
1,435,687,891
N/A
N/A
297,933,704
2,228,515,711
N/A
N/A
16,415,664
1,847,899,393
N/A
N/A
556,059,028
2,263,706,100
N/A
N/A
362,115,879
2,437,290,625
56.71%
4.02%
0.21
1.79%
1.37%
3.63%
43.29%
0.83
26.88%
1.64
4.54
52.12%
3.91%
0.15
1.34%
1.61%
2.73%
47.88%
1.35
27.42%
1.52
2.81
48.90%
4.28%
0.09
0.82%
1.66%
2.68%
51.10%
2.33
28.37%
1.75
1.65
46.07%
4.29%
0.09
0.80%
1.39%
2.73%
53.93%
2.92
26.48%
2.00
1.58
44.95%
4.05%
0.08
0.65%
1.34%
2.84%
55.05%
2.37
25.11%
2.03
1.26
12.42%
18.70%
56.86%
76.20%
90.69%
77.35%
69.32%
10.73%
24.42%
53.03%
75.87%
89.84%
73.19%
66.04%
10.00%
19.97%
57.52%
76.60%
89.93%
79.58%
72.73%
9.87%
27.91%
49.61%
74.46%
89.97%
71.94%
63.44%
10.11%
31.76%
47.93%
77.79%
91.09%
67.74%
61.12%
5.27%
25.24%
37.27%
19.83%
66.82%
6.01%
23.51%
38.17%
48.67%
74.70%
7.15%
20.83%
47.89%
46.60%
78.92%
8.42%
7.39%
50.05%
39.25%
87.69%
12.54%
9.04%
80.62%
26.67%
72.09%
8.34%
5.77
21.16
9.14
8.75%
6.64
18.32
8.67
9.10%
4.80
18.28
8.42
9.02%
5.10
17.71
8.26
8.20%
5.72
15.79
9.49
2.06
5.79
0.47
14.06
10.66

G.Liquidity ratios



J.Cash flow ratio

34
ALBARAKA (PAKISTAN) LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
119,732
250,533
0
(130,801)
2,239,942
88,624
0
0
0
88,624
2,448,298
34
51,069
1,597,947
0
32,906
0
0
32,906
656,972
109,370
2,811,700
3,000,000
0
(188,300)
1,007,855
5,121,920
99,753
68,908
4,552,909
400,350
8,941,475
991,301
419,737
1,350,000
2,275,123
2,623,663
2,138
2,138
2,621,525
953,864
329,925
4,051,584
4,500,000
0
(448,416)
17,255
12,468,548
148,403
725,000
10,892,602
702,543
16,537,387
909,378
195,134
320,000
2,756,159
7,788,664
13,537
11,181
7,777,483
1,619,029
2,960,204
3,487,571
4,500,000
0
(1,012,429)
6,045
16,268,834
262,691
20,000
15,081,242
904,901
19,762,450
1,337,892
959,078
1,600,000
3,356,705
9,760,212
1,213,994
320,969
9,439,243
1,741,736
1,327,796
6,883,176
8,935,200
0
(2,052,024)
(764,099)
54,644,587
427,600
2,756,892
49,324,209
2,135,886
60,763,664
4,460,257
7,409,620
80,000
15,617,589
28,820,378
3,735,780
1,923,180
26,897,198
2,732,332
3,566,668
17,334
0
17,334
25,000
(7,666)
0
159,104
159,104
(166,770)
(108,735)
381,172
125,011
256,161
8,032
248,129
63,763
395,546
395,539
(83,654)
(57,499)
1,060,376
598,062
462,314
1,811
464,125
95,111
950,599
949,634
(391,363)
(260,116)
1,914,228
1,234,890
679,338
344,009
335,329
301,855
1,436,066
1,410,569
(798,882)
(564,013)
2,198,794
1,658,608
540,186
764,375
(224,189)
247,021
1,595,139
1,508,590
(1,572,307)
(1,039,595)
25,053
0.00%
0.00%
(1,811,720)
10,703
300,000
0.00%
0.00%
2,457,242
4,297,712
450,000
0.00%
0.00%
406,132
3,064,151
450,000
0.00%
0.00%
2,173,889
8,660,685
893,520
0.00%
0.00%
8,797,050
14,532,742
100.00%
0.71%
-0.91
-4.44%
0.00%
-0.31%
0.00%
-0.95
917.87%
67.20%
2.86%
-0.02
-0.64%
0.71%
2.78%
32.80%
-4.73
88.90%
6.20
-0.19
43.60%
2.80%
-0.06
-1.57%
0.58%
2.81%
56.40%
-2.43
82.27%
9.98
-0.58
35.49%
3.44%
-0.16
-2.85%
1.53%
1.70%
64.51%
-1.77
64.80%
4.67
-1.25
24.57%
0.89%
-0.15
-1.71%
0.41%
-0.37%
75.43%
-0.96
65.22%
6.11
-1.16
15.78%
25.44%
29.32%
50.92%
57.28%
57.63%
56.77%
6.68%
16.67%
47.03%
65.87%
75.40%
71.50%
67.04%
11.62%
16.99%
47.76%
76.31%
82.32%
64.72%
64.63%
19.53%
25.70%
44.27%
81.17%
89.93%
58.43%
55.34%
0.00%
0.08%
0.17%
12.44%
0.00%
0.08%
375.68%
100.00%
0.33%
16.20%
82.60%
34.81%
107.18%
26.44%
12.96%
6.67%
54.27%
39.75%
51.48%
4.89%
0.09
4.78
0.00
31.45%
1.53
9.37
1.62
24.50%
0.76
9.00
2.69
17.65%
2.48
7.75
4.32
11.33%
2.11
7.70
7.17
16.66
-42.74
-1.56
-3.85
-8.46

E.Other items
2.Cash dividend

-4.34
G.Liquidity ratios
2.09%
0.00%
1.34%
0.00%
3.62%




J.Cash flow ratio

35
ALLIED BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
16,229,647
4,488,642
6,133,209
5,607,796
1,458,106
234,339,023
2,278,007
18,410,425
206,031,324
7,619,267
252,026,776
23,042,011
1,703,011
19,050,239
46,953,241
151,705,418
10,478,589
7,671,784
144,033,634
6,445,111
10,799,529
18,408,391
5,386,370
6,050,713
6,971,308
1,469,851
300,231,481
3,494,384
22,933,656
263,972,382
9,831,059
320,109,723
29,739,857
668,449
18,419,241
83,958,463
178,524,257
11,354,923
10,116,977
168,407,280
7,548,628
11,367,805
20,805,117
6,463,644
5,804,776
8,536,697
1,550,497
344,340,055
2,952,490
27,778,151
297,475,321
16,134,093
366,695,669
23,653,754
2,096,779
15,793,183
82,646,595
223,639,777
13,771,895
10,667,769
212,972,008
11,134,436
18,398,914
25,891,278
7,110,008
6,582,845
12,198,425
4,068,700
388,414,353
3,162,429
39,818,532
328,875,037
16,558,355
418,374,331
26,435,633
1,280,443
28,122,932
94,789,492
249,886,703
16,281,178
12,542,665
237,344,038
12,446,748
17,955,045
31,166,452
7,821,009
7,516,910
15,828,533
4,808,405
413,956,669
4,118,791
20,774,450
371,284,268
17,779,160
449,931,526
31,265,608
579,555
11,488,944
121,173,409
268,529,771
18,688,166
15,430,262
253,099,509
15,359,742
16,964,759
17,215,507
6,793,101
10,422,406
704,871
9,717,535
2,449,068
5,505,509
5,290,578
6,661,094
4,397,250
21,201,422
10,019,004
11,182,418
2,714,842
8,467,576
3,920,099
6,434,599
6,018,346
5,953,076
4,076,158
30,570,540
17,272,724
13,297,816
3,156,001
10,141,815
4,896,915
8,917,790
8,121,805
6,120,940
4,156,686
41,121,503
22,421,694
18,699,809
4,497,604
14,202,205
5,958,034
9,624,119
9,423,503
10,536,120
7,122,167
44,992,696
22,427,652
22,565,044
4,083,385
18,481,659
5,671,786
11,810,339
11,241,587
12,343,106
8,225,332
448,864
0.25%
0.20%
9,328,210
63,338,135
538,637
0.15%
0.20%
46,349,828
117,080,646
646,364
25.00%
10.00%
563,633
126,060,778
711,001
40.00%
10.00%
10,811,077
11,586,667
782,101
0.40%
0.10%
36,199,585
108,128,287
60.54%
4.14%
0.27
1.74%
0.97%
3.86%
39.46%
0.79
28.00%
2.16
9.80
52.74%
3.49%
0.22
1.27%
1.22%
2.65%
47.26%
1.01
25.61%
1.54
7.57
43.50%
3.63%
0.20
1.13%
1.34%
2.77%
56.50%
1.33
25.14%
1.66
6.43
45.47%
4.47%
0.28
1.70%
1.42%
3.39%
54.53%
0.89
20.44%
1.58
10.02
50.15%
5.02%
0.26
1.83%
1.26%
4.11%
49.85%
0.91
23.31%
1.98
10.52
9.82%
18.63%
57.15%
81.75%
92.98%
73.63%
67.59%
9.50%
26.23%
52.61%
82.46%
93.79%
67.63%
62.22%
7.02%
22.54%
58.08%
81.12%
93.90%
75.18%
68.76%
6.62%
22.66%
56.73%
78.61%
92.84%
75.98%
67.78%
7.08%
26.93%
56.25%
82.52%
92.00%
72.32%
68.49%
6.91%
6.36%
6.16%
64.56%
9.19%
73.21%
61.68%
26.83%
89.10%
66.19%
29.58%
77.46%
6.52%
5.02%
62.88%
35.86%
77.04%
6.96%
5.75%
59.96%
26.46%
82.57%
6.44%
3.90
36.16
12.69
5.75%
6.36
34.18
14.34
5.67%
6.06
32.19
14.30
6.19%
0.45
36.42
12.70
6.93%
3.47
39.85
11.91
2.12
11.37
0.14
1.52
4.40

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

36
ASKARI BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
9,619,066
2,004,333
5,814,754
1,799,979
1,434,164
154,980,358
1,839,077
14,964,087
131,839,283
6,337,911
166,033,588
14,879,230
7,333,002
8,392,950
28,625,915
102,724,879
3,656,297
3,545,507
99,179,372
3,810,331
3,812,788
12,099,645
3,006,499
6,948,336
2,144,810
166,342
169,905,898
2,627,051
17,553,525
143,036,707
6,688,615
182,171,885
13,356,055
3,497,054
14,444,143
39,431,005
108,188,767
6,907,591
7,408,605
100,780,162
5,128,428
5,535,038
12,034,895
4,058,774
7,667,141
308,980
936,468
193,219,775
2,584,828
15,190,148
167,676,572
7,768,227
206,191,138
16,029,635
3,954,814
4,479,754
35,677,755
139,830,973
11,689,417
11,012,731
128,818,242
8,266,458
8,964,480
13,142,688
5,073,467
7,182,987
886,234
1,806,384
239,378,374
2,945,670
19,300,163
205,970,227
11,162,314
254,327,446
19,385,843
8,364,261
4,614,059
67,046,033
147,628,343
17,725,451
12,593,844
135,034,499
9,846,440
10,036,311
14,820,578
6,427,440
7,691,319
701,819
1,183,564
298,740,410
3,089,984
25,554,777
255,936,503
14,159,146
314,744,552
22,565,188
3,784,862
9,172,186
102,259,757
168,435,763
21,598,648
15,651,626
152,784,137
9,987,963
14,190,459
12,596,921
6,977,313
5,619,608
1,128,513
4,491,095
2,139,254
3,283,494
3,277,353
3,346,855
2,249,974
15,143,241
8,685,624
6,457,617
3,921,741
2,535,876
4,565,496
4,801,587
4,789,536
2,299,785
2,681,012
18,393,313
10,650,719
7,742,594
4,072,597
3,669,997
2,707,000
5,915,615
5,904,169
461,382
386,225
22,661,754
13,629,096
9,032,658
2,914,893
6,117,765
2,554,701
7,030,225
6,995,857
1,642,241
1,107,793
27,952,162
17,936,616
10,015,546
3,064,382
6,951,164
2,177,043
7,855,071
7,812,618
1,273,136
943,177
200,433
0.10%
0.50%
8,356,026
112,195,415
300,650
0.15%
0.35%
8,370,382
145,064,726
405,877
0.00%
25.00%
2,596,563
202,238,722
507,347
0.00%
20.00%
36,409,130
106,574,473
642,744
0.10%
35,810,016
196,716,932
44.61%
3.38%
0.23
1.36%
1.29%
2.70%
55.39%
0.98
22.28%
1.53
11.23
42.64%
3.54%
0.22
1.47%
2.51%
1.39%
57.36%
2.08
24.36%
1.05
8.92
42.09%
3.76%
0.03
0.19%
1.31%
1.78%
57.91%
12.80
28.04%
2.18
0.95
39.86%
3.55%
0.08
0.44%
1.00%
2.41%
60.14%
4.26
27.88%
2.74
2.18
35.83%
3.18%
0.06
0.30%
0.69%
2.21%
64.17%
6.14
26.07%
3.59
1.47
13.38%
17.24%
59.73%
79.41%
93.34%
77.92%
69.97%
9.25%
21.64%
55.32%
78.52%
93.27%
75.64%
67.37%
9.69%
17.30%
62.48%
81.32%
93.71%
83.39%
76.47%
10.91%
26.36%
53.09%
80.99%
94.12%
71.67%
65.53%
8.37%
32.49%
48.54%
81.32%
94.92%
65.81%
59.84%
3.56%
6.38%
8.36%
12.01%
38.01%
31.83%
96.97%
57.09%
52.93%
107.25%
97.13%
36.98%
94.21%
134.87%
23.15%
71.05%
12.82%
9.29%
145.73%
19.58%
72.47%
5.79%
11.66
47.99
13.71
6.64%
11.99
40.24
11.82
5.84%
16.80
29.65
13.93
5.17%
8.11
25.90
15.67
4.71%
13.27
23.06
17.27
3.71
3.12
6.72
32.87
37.97

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

37
ATLAS BANK LTD

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,116,083
3,125,916
2,494
(12,327)
(117,793)
14,022,296
50,158
4,025,949
8,842,946
1,103,243
17,020,586
601,079
191,742
3,500,844
3,645,195
8,199,113
493,910
365,327
7,833,786
301,401
946,539
5,260,126
5,001,466
580,031
(321,371)
(75,886)
17,800,021
288,907
1,304,616
15,322,671
883,827
22,984,261
1,501,334
215,318
4,427,824
5,566,841
9,723,028
775,190
480,517
9,242,511
818,713
1,211,720
4,249,567
5,001,466
580,031
(1,331,930)
(592,623)
25,310,083
255,742
5,323,425
18,646,412
1,084,504
28,967,027
1,617,825
51,449
114,000
2,990,906
21,313,936
759,245
764,067
20,549,869
1,255,567
2,387,411
2,554,008
5,001,466
587,581
(3,035,039)
(71,948)
28,387,446
265,875
943,114
26,173,680
1,004,777
30,869,506
1,577,093
97,691
838,438
4,763,388
20,441,926
1,220,436
1,221,998
19,219,928
1,138,909
3,234,059
(149,218)
5,001,466
580,031
(5,730,715)
(68,708)
26,060,141
202,966
5,885,030
19,312,589
659,556
25,842,215
1,472,051
22,794
0
4,017,964
18,639,047
6,086,830
2,673,397
15,965,650
988,960
3,374,796
892,583
763,083
129,500
58,195
71,305
96,588
308,729
308,205
(140,836)
8,682
1,338,459
1,294,428
44,031
271,458
(227,427)
346,786
668,923
665,546
(549,564)
(309,044)
2,975,768
2,421,154
554,614
353,543
201,071
245,152
2,040,433
1,864,887
(1,594,210)
(1,010,559)
3,387,928
3,189,326
198,602
912,815
(714,213)
49,168
2,062,038
1,894,233
(2,727,083)
(1,703,109)
2,618,469
2,545,410
73,059
1,631,268
(1,558,209)
(1,489,381)
1,836,588
1,486,646
(3,325,969)
(2,695,676)
312,592
0.00%
0.00%
251,781
1,867,923
500,147
0.00%
0.00%
1,301,267
5,859,936
500,147
20.00%
0.00%
(1,300,475)
9,031,919
500,147
0.00%
0.00%
1,409,916
11,586,667
500,147
0.00%
0.00%
(880,780)
4,989,009
14.51%
0.76%
0.00
0.05%
0.57%
0.42%
85.49%
-2.19
31.21%
3.19
0.03
3.29%
0.19%
-0.06
-1.34%
1.51%
-0.99%
96.71%
-1.21
39.69%
1.92
-0.62
18.64%
1.91%
-0.24
-3.49%
0.85%
0.69%
81.36%
-1.17
63.35%
7.61
-2.02
5.86%
0.64%
-0.67
-5.52%
0.16%
-2.31%
94.14%
-0.69
59.99%
38.53
-3.41
2.79%
0.28%
18.07
-10.43%
-5.76%
-6.03%
97.21%
-0.45
162.66%
-1.00
-5.39
4.66%
21.42%
46.03%
51.95%
82.38%
92.72%
63.71%
7.47%
24.22%
40.21%
66.67%
77.44%
63.46%
58.48%
5.76%
10.33%
70.94%
64.37%
87.38%
114.31%
88.92%
5.43%
15.43%
62.26%
84.79%
91.96%
78.10%
75.38%
5.78%
15.55%
61.78%
74.73%
100.84%
96.51%
73.97%
6.02%
7.97%
3.56%
5.97%
15.85%
15.93%
73.97%
14.74%
56.49%
61.99%
17.87%
46.27%
100.64%
47.79%
74.70%
100.13%
32.66%
14.34%
-4,079.15%
61.02%
43.92%
18.31%
0.60
9.97
2.84
22.89%
1.11
10.52
2.91
14.67%
2.13
8.50
4.39
8.27%
4.54
5.11
10.25
-0.58%
-33.43
-0.30
-129.43
29.00
-4.21
1.29
-0.83
0.33

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

38
BANK AL-HABIB LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
6,186,336
2,629,334
2,082,561
1,474,441
336,056
108,475,645
1,390,913
10,788,554
91,419,963
4,876,215
114,998,037
9,346,431
1,232,902
6,578,800
21,023,254
71,036,205
388,263
240,244
70,795,961
3,910,067
2,110,622
8,013,757
3,681,068
2,527,949
1,804,740
311,561
132,908,956
2,394,482
9,826,525
114,818,855
5,869,094
141,234,274
13,766,500
604,742
4,112,429
35,287,080
79,446,698
216,628
222,318
79,224,380
5,786,287
2,452,856
9,967,204
4,785,388
3,062,830
2,118,986
1,665,205
165,690,582
2,232,334
12,369,743
144,389,563
6,698,942
177,322,991
11,936,275
3,621,152
295,396
48,234,497
101,402,372
862,550
1,205,376
100,196,996
9,166,020
3,872,655
12,286,874
6,101,370
3,664,925
2,520,579
1,818,084
235,701,642
3,187,383
33,517,109
189,280,062
9,717,088
249,806,600
14,377,589
4,626,726
0
111,017,701
108,373,012
2,067,656
2,387,693
105,985,319
9,561,955
4,237,310
14,706,382
7,321,643
4,392,264
2,992,475
1,359,729
285,486,350
2,989,989
22,579,348
249,774,212
10,142,801
301,552,461
19,000,978
2,132,403
1,139,268
137,167,680
129,083,545
2,943,863
3,310,481
125,773,064
10,213,390
6,125,678
7,857,745
4,078,200
3,779,545
20,959
3,758,586
1,363,244
2,432,449
2,432,395
2,689,381
1,760,992
9,945,872
5,764,757
4,181,115
93,266
4,087,849
2,130,824
3,166,446
3,166,045
3,052,227
2,211,333
14,586,841
8,004,294
6,582,547
1,149,345
5,433,202
2,416,304
4,374,426
4,306,759
3,578,532
2,425,016
22,120,105
13,053,137
9,066,968
1,183,026
7,883,942
1,836,082
5,207,953
5,045,731
4,512,071
2,856,294
27,475,443
16,678,554
10,796,889
946,296
9,850,593
2,129,546
6,323,928
6,162,449
5,656,211
3,602,161
262,933
0.15%
0.20%
4,202,822
4,160,867
368,107
0.15%
0.30%
20,066,569
61,774,447
478,538
12.50%
27.50%
16,856,703
59,797,421
610,137
20.00%
20.00%
65,727,310
63,417,914
732,164
0.20%
0.20%
30,018,943
60,004,910
48.10%
3.29%
0.28
1.53%
1.19%
3.27%
51.90%
0.90
26.38%
1.78
6.70
42.04%
2.96%
0.28
1.57%
1.51%
2.89%
57.96%
1.04
26.22%
1.49
6.01
45.13%
3.71%
0.24
1.37%
1.36%
3.06%
54.87%
1.20
25.73%
1.78
5.07
40.99%
3.63%
0.23
1.14%
0.74%
3.16%
59.01%
1.12
21.74%
2.75
4.68
39.30%
3.58%
0.24
1.19%
0.71%
3.27%
60.70%
1.09
21.36%
2.89
4.92
9.20%
18.28%
61.56%
79.50%
94.33%
77.70%
69.50%
10.18%
24.98%
56.09%
81.30%
94.11%
69.19%
63.74%
8.77%
27.20%
56.51%
81.43%
93.44%
70.23%
64.69%
7.61%
44.44%
42.43%
75.77%
94.35%
57.26%
48.64%
7.01%
45.49%
41.71%
82.83%
94.67%
51.68%
47.40%
0.55%
0.27%
0.85%
1.91%
6.28%
8.72%
61.88%
2.70%
41.95%
102.63%
8.65%
95.35%
139.75%
16.83%
49.55%
115.48%
2.28%
2.56%
20.02%
28.58%
112.45%
5.38%
0.67
23.53
14.78
5.67%
7.71
21.77
14.33
5.62%
6.00
20.83
14.49
4.92%
5.16
20.14
15.41
4.88%
4.08
20.09
16.98
2.39
9.07
6.95
23.01
8.33

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

39
BANK ALFALAH LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
10,572,605
5,000,000
2,749,533
2,823,072
1,669,340
263,443,596
3,091,135
8,394,130
239,509,391
12,448,940
275,685,541
27,859,360
12,731,952
12,456,653
56,502,210
152,235,781
2,308,668
2,236,456
149,999,325
10,502,990
5,633,051
13,766,673
6,500,000
2,414,833
4,851,840
2,453,171
312,675,308
4,138,243
21,230,697
273,173,841
14,132,527
328,895,152
29,436,378
18,380,738
3,452,059
88,491,564
175,678,810
4,705,085
4,479,818
171,198,992
11,922,324
6,013,097
14,608,523
7,995,000
3,166,056
3,447,467
2,436,216
331,946,025
3,452,031
13,690,222
300,732,858
14,070,914
348,990,764
32,687,335
21,581,043
3,315,500
75,973,238
197,931,671
0
6,140,683
191,790,988
13,773,293
9,869,367
19,770,260
13,491,563
3,587,969
2,690,728
2,363,160
366,936,635
3,766,144
20,653,921
324,759,752
17,756,818
389,070,055
35,056,012
22,722,639
14,947,435
99,159,957
197,403,168
0
9,360,730
188,042,438
14,492,194
14,649,380
19,726,556
13,491,563
3,819,133
2,415,860
2,578,988
389,178,295
4,521,533
13,700,124
354,015,311
16,941,327
411,483,839
41,197,841
16,179,255
6,497,556
113,425,861
218,431,853
18,320,022
11,279,307
207,152,546
14,204,555
12,826,225
21,191,470
15,232,886
5,958,584
699,227
5,259,357
3,224,639
5,918,051
5,874,745
2,565,945
1,762,691
25,783,871
16,620,963
9,162,908
2,376,711
6,786,197
6,038,466
8,289,111
8,272,587
4,535,552
3,130,229
30,966,638
20,494,355
10,472,283
3,543,357
6,928,926
4,822,924
9,957,130
9,805,790
1,794,720
1,301,301
35,561,312
24,654,180
10,907,132
4,071,527
6,835,605
5,182,253
11,001,542
10,923,507
1,016,316
897,035
37,530,256
23,855,448
13,674,808
4,260,383
9,414,425
14,122,586
1,368,745
12,578,080
1,368,745
968,452
650,000
0.00%
0.30%
7,852,362
81,299,671
650,000
0.15%
0.30%
39,645,325
124,896,380
799,500
50.00%
12.50%
2,499,606
121,702,262
1,349,156
8.00%
0.00%
19,945,927
159,052,924
1,349,156
0.00%
0.00%
18,112,043
179,210,913
28.12%
2.16%
0.17
0.64%
1.17%
1.91%
71.88%
2.29
24.24%
1.82
2.71
35.54%
2.79%
0.23
0.95%
1.84%
2.06%
64.46%
1.82
26.05%
1.37
4.82
33.82%
3.00%
0.09
0.37%
1.38%
1.99%
66.18%
5.46
27.82%
2.03
1.63
30.67%
2.80%
0.05
0.23%
1.33%
1.76%
69.33%
10.75
27.00%
2.11
0.66
36.44%
3.32%
0.05
0.24%
3.43%
2.29%
63.56%
9.19
2.65%
0.89
0.72
14.72%
20.50%
54.41%
86.88%
95.56%
63.56%
61.41%
14.54%
26.91%
52.05%
83.06%
95.07%
64.31%
59.67%
15.55%
21.77%
54.96%
86.17%
95.12%
65.82%
62.95%
14.85%
25.49%
48.33%
83.47%
94.31%
60.78%
57.15%
13.94%
27.57%
50.34%
86.03%
94.58%
61.70%
59.40%
1.52%
2.68%
0.00%
0.00%
21.84%
31.26%
96.87%
34.18%
53.05%
95.21%
0.00%
57.70%
0.00%
43.50%
8.39%
5.16%
92.87%
37.77%
61.57%
3.84%
7.69
16.27
22.65
4.19%
9.07
21.18
19.84
4.19%
8.33
18.27
20.59
5.08%
8.05
14.65
16.43
4.79%
9.08
14.62
17.95
4.45
12.67
1.92
22.24
18.70

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

40
BANK ISLAMI PAKISTAN LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,991,646
2,000,000
0
(8,354)
11,241
2,021,787
23,830
50,000
1,778,008
169,949
4,024,674
338,222
790,709
412,131
493,008
960,134
0
1,001
959,133
441,428
590,043
3,154,623
3,200,000
0
(45,377)
690,103
10,602,747
84,998
70,000
9,934,282
513,467
14,447,473
1,433,166
2,577,491
625,037
3,864,027
3,992,240
78,371
29,373
3,962,867
1,093,324
891,561
5,181,372
5,279,679
0
(98,307)
10,449
13,896,779
353,646
245,939
12,477,955
819,239
19,088,600
2,175,413
2,207,490
40,351
5,019,525
6,687,460
186,093
159,929
6,527,531
1,910,648
1,207,642
4,702,433
5,279,679
0
(577,246)
37,860
29,546,478
485,608
156,160
27,987,378
917,332
34,286,771
4,217,515
2,059,550
4,018,813
6,813,191
13,531,861
788,665
249,709
13,282,152
2,395,304
1,500,246
4,734,004
5,279,679
9,310
(554,985)
32,382
40,269,317
563,020
353,000
38,198,320
1,154,977
45,035,703
3,035,148
569,622
4,513,132
13,732,132
16,999,097
741,680
328,972
16,670,125
2,066,680
4,448,864
100,008
18,665
81,343
1,001
80,342
44,547
159,288
145,526
(34,399)
(8,354)
602,060
303,842
298,218
28,372
269,846
140,281
510,590
491,172
(100,463)
(37,023)
1,468,688
729,528
739,160
130,556
608,604
196,139
229,152
1,028,232
(229,152)
(52,930)
2,193,891
1,222,169
971,722
111,198
860,524
342,687
562,909
1,755,503
(562,909)
(478,939)
3,806,209
2,057,533
1,748,676
7,424
1,756,100
207,104
1,918,661
1,895,476
44,543
46,550
200,000
0.00%
0.00%
(73,431)
644,260
320,000
0.00%
0.00%
5,921,777
6,541,611
527,968
23.00%
0.00%
1,109,403
1,751,914
527,968
0.00%
0.00%
4,475,857
1,439,984
527,968
0.00%
0.00%
4,267,673
4,467,998
81.34%
2.02%
0.00
-0.21%
1.11%
2.00%
18.66%
-4.23
110.19%
3.27
-0.04
49.53%
2.06%
-0.01
-0.26%
0.97%
1.87%
50.47%
-4.89
68.78%
3.50
-0.12
50.33%
3.87%
-0.01
-0.28%
1.03%
3.19%
49.67%
-4.49
13.76%
5.24
-0.10
44.29%
2.83%
-0.10
-1.40%
1.00%
2.51%
55.71%
-3.12
22.19%
5.12
-0.91
45.94%
3.88%
0.01
0.10%
0.46%
3.90%
54.06%
42.55
47.81%
9.15
0.09
28.05%
12.25%
23.83%
44.18%
50.23%
54.00%
52.52%
27.76%
26.75%
27.43%
68.76%
73.39%
40.19%
39.91%
22.96%
26.30%
34.20%
65.37%
72.80%
53.59%
52.56%
18.31%
19.87%
38.74%
81.63%
86.17%
48.35%
48.08%
8.00%
30.49%
37.02%
84.82%
89.42%
44.50%
44.09%
0.00%
1.96%
2.78%
5.83%
0.00%
100.00%
2.48%
96.59%
37.48%
3.59%
81.63%
85.94%
16.77%
44.53%
31.66%
4.36%
1.94%
15.67%
2.26%
44.35%
49.49%
0.32
9.96
0.89
21.84%
2.07
9.86
3.15
27.14%
0.34
9.81
2.41
13.72%
0.31
8.91
5.95
10.51%
0.94
8.97
8.07
8.79
-159.95
-20.96
-9.35
91.68

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

41
BURJ BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,652,231
3,601,200
10,206
40,825
13,657
3,184,646
80,243
0
2,888,762
215,641
6,850,534
380,381
187,747
725,022
1,318,657
3,725,609
0
1,857
3,723,752
299,404
215,571
4,085,091
4,001,333
16,751
67,007
(10,281)
5,491,900
20,138
50,704
5,063,393
357,665
9,566,710
418,948
255,703
250,040
2,045,146
5,645,609
50,000
5,732
5,639,877
417,364
539,632
4,801,589
5,010,458
16,751
(225,620)
40,191
8,224,128
58,263
1,094,375
6,784,750
286,740
13,065,908
675,988
577,349
2,856,052
2,861,751
5,001,443
731,740
237,821
4,763,622
600,626
730,520
4,266,067
5,010,458
16,751
(761,142)
59,916
13,349,703
86,867
287,291
12,636,083
339,462
17,675,686
1,324,461
400,468
2,679,753
5,050,878
6,236,849
1,153,118
620,647
5,616,202
646,645
1,957,279
249,763
57,906
191,857
1,857
190,000
8,838
166,579
165,999
32,259
51,031
855,374
403,500
451,874
3,875
447,999
494,273
434,161
433,996
60,111
32,727
1,131,873
650,752
481,121
257,089
224,032
56,818
686,002
685,677
(405,152)
(292,627)
1,263,461
726,325
537,136
406,279
130,857
64,260
1,019,677
986,592
(824,560)
(535,522)
360,120
0.00%
0.00%
(1,296,457)
674,467
400,133
0.00%
0.00%
660,132
2,217,021
501,046
0.00%
0.00%
654,955
1,911,426
501,046
0.00%
0.00%
4,676,276
5,704,888
76.82%
2.80%
0.01
0.74%
0.13%
2.77%
23.18%
5.15
64.42%
18.78
0.14
52.83%
4.72%
0.01
0.34%
5.17%
4.68%
47.17%
7.22
32.17%
0.88
0.08
42.51%
3.68%
-0.06
-2.24%
0.43%
1.71%
57.49%
-1.69
57.71%
12.07
-0.58
42.51%
3.04%
-0.13
-3.03%
0.36%
0.74%
57.49%
-1.20
76.80%
15.35
-1.07
8.29%
19.25%
54.36%
42.17%
46.49%
128.97%
128.97%
7.05%
21.38%
58.95%
52.93%
57.41%
111.50%
110.39%
9.59%
21.90%
36.46%
51.93%
62.94%
73.72%
63.48%
9.76%
28.58%
31.77%
71.49%
75.53%
49.36%
48.26%
0.00%
0.89%
14.63%
0.00%
100.00%
1.22%
67.60%
11.46%
15.24%
108.10%
32.50%
18.49%
9.95%
27.03%
65.46%
53.82%
53.31%
0.18
10.14
0.79
42.70%
0.54
10.21
1.24
36.75%
0.40
9.58
1.41
24.14%
1.34
8.51
2.96
-25.41
20.17
-2.24
-8.73

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

42
DUBAI ISLAMIC BANK PAKISTAN LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,505,978
3,917,480
0
(411,502)
24,453
4,903,849
283,529
0
4,322,621
297,699
8,434,280
719,833
1,701,360
0
832,925
3,273,957
0
0
3,273,957
661,529
1,244,676
4,345,532
5,126,230
0
(780,698)
9,807
16,952,908
347,521
383
16,114,461
490,543
21,308,247
1,992,425
1,410,884
0
2,974,087
11,347,979
25,665
100,766
11,247,213
1,459,578
2,224,060
5,055,260
6,017,780
0
(962,520)
10,867
26,983,946
283,188
0
25,458,910
1,241,848
32,050,073
2,691,572
3,273,878
1,329,832
3,019,266
18,330,344
286,024
256,843
18,073,501
1,740,923
1,921,101
6,040,247
6,776,030
45,347
(781,130)
18
29,328,629
279,493
125,000
27,980,906
943,230
35,368,894
2,932,264
2,430,437
2,591,905
2,822,723
20,961,592
719,088
371,979
20,589,613
1,727,298
2,274,654
6,048,321
6,776,030
46,961
(774,670)
18
33,840,397
411,944
950,000
31,414,908
1,063,545
39,888,736
3,197,884
3,455,665
1,020,725
5,945,370
23,318,157
1,858,799
553,203
22,764,954
1,703,588
1,800,550
156,811
30,310
126,501
0
126,501
33,947
793,529
764,021
(633,081)
(411,502)
1,119,716
469,302
650,414
100,766
549,648
336,410
1,453,906
1,411,526
(567,848)
(369,196)
2,723,796
1,377,542
1,346,254
156,077
1,190,177
335,552
271,806
1,791,282
(271,806)
(181,822)
3,647,145
1,805,943
1,841,202
115,136
1,726,066
365,353
1,739,369
1,724,467
352,050
226,737
4,071,552
2,129,570
1,941,982
181,224
1,760,758
366,335
2,109,362
2,095,563
(9,657)
8,074
350,598
0.00%
0.00%
361,796
3,030,071
434,553
0.00%
0.00%
2,848,560
11,012,116
601,778
0.00%
0.00%
2,523,494
21,322,168
677,603
0.00%
0.00%
(1,285,767)
17,830,878
677,603
0.00%
0.00%
4,676,276
5,704,888
80.67%
1.50%
-0.12
-4.88%
0.40%
1.50%
19.33%
-1.21
415.99%
22.51
-1.17
58.09%
3.05%
-0.08
-1.73%
1.58%
2.58%
41.91%
-2.49
99.85%
4.20
-0.85
49.43%
4.20%
-0.04
-0.57%
1.05%
3.71%
50.57%
-6.59
8.88%
5.34
-0.30
50.48%
5.21%
0.04
0.64%
1.03%
4.88%
49.52%
4.90
43.35%
4.72
0.33
47.70%
4.87%
0.00
0.02%
0.92%
4.41%
52.30%
-217.00
47.53%
5.72
0.01
28.71%
9.88%
38.82%
51.25%
58.14%
75.74%
75.74%
15.97%
13.96%
52.78%
75.63%
79.56%
70.42%
70.42%
18.61%
9.42%
56.39%
79.43%
84.19%
72.00%
72.00%
15.16%
7.98%
58.21%
79.11%
82.92%
74.91%
74.58%
16.68%
14.90%
57.07%
78.76%
84.84%
74.23%
72.05%
0.00%
0.23%
1.56%
3.43%
0.00%
0.59%
100.00%
392.62%
5.66%
60.77%
89.80%
11.90%
30.95%
51.73%
7.97%
2.37%
30.73%
32.76%
29.76%
41.57%
0.86
10.00
1.23
20.39%
2.53
10.00
3.71
15.77%
4.22
8.40
5.04
17.08%
2.95
8.91
4.63
15.16%
0.94
8.93
5.19
-0.88
-7.72
-13.88
-5.67
579.18

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

43
FAYSAL BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
9,132,327
4,237,157
3,079,527
1,815,643
4,664,307
101,673,767
4,516,125
14,965,037
74,413,641
7,778,964
115,470,401
7,207,998
2,883,040
4,608,205
22,525,358
76,204,018
3,535,193
1,815,374
74,388,644
2,239,392
1,617,764
10,345,146
5,296,445
3,567,033
1,481,668
5,811,357
125,120,918
2,406,927
9,995,855
102,067,422
10,650,714
141,277,421
6,872,032
3,708,451
7,078,102
31,553,108
91,016,278
4,753,415
3,669,877
87,346,401
2,514,959
2,204,368
10,135,987
5,296,445
3,790,023
1,049,519
636,121
127,469,378
1,536,517
13,027,468
102,776,793
10,128,600
138,241,486
8,927,524
876,780
2,861,401
36,152,537
88,620,641
7,446,481
5,108,573
83,512,068
2,646,978
3,264,198
11,336,146
6,090,911
4,030,056
1,215,179
1,446,593
168,082,674
1,465,451
34,985,766
123,655,188
7,976,269
180,865,413
8,427,202
508,795
15,017,826
56,531,338
98,384,470
10,671,030
7,038,469
91,346,001
2,787,617
6,246,634
16,614,625
7,309,094
7,354,688
1,950,843
(96,855)
250,803,153
3,218,859
34,635,904
195,315,204
17,633,186
267,320,923
17,428,924
5,727,909
0
86,418,549
151,206,409
24,707,758
17,499,640
133,706,769
8,726,406
15,312,366
9,278,046
6,089,255
3,188,791
621,607
3,017,184
2,752,597
1,899,441
1,866,584
3,870,340
2,816,572
11,610,781
7,459,392
4,151,389
2,079,044
2,072,345
3,441,145
2,815,663
2,799,747
2,697,827
2,272,108
13,404,132
8,454,755
4,949,377
2,047,362
2,902,015
5,212,608
1,796,537
3,257,843
1,796,537
1,114,952
16,957,875
11,967,885
4,989,990
2,191,883
2,798,107
2,813,065
4,310,671
4,284,086
1,300,501
1,200,159
19,710,460
13,919,256
5,791,204
2,201,824
3,589,380
4,012,338
6,774,664
6,644,072
827,054
1,190,329
423,716
0.50%
0.00%
(739,060)
64,986,645
529,644
0.25%
0.25%
7,262,087
50,562,981
529,645
15.00%
0.00%
1,882,246
51,941,751
609,091
0.00%
0.00%
3,981,449
79,757,936
730,909
0.00%
0.20%
8,881,898
164,784,857
34.37%
2.76%
0.31
2.44%
2.38%
2.61%
65.63%
0.48
15.79%
0.68
6.65
35.75%
2.94%
0.22
1.61%
2.44%
1.47%
64.25%
1.04
18.71%
0.81
4.29
36.92%
3.58%
0.11
0.81%
3.77%
2.10%
63.08%
1.81
9.65%
0.62
2.11
29.43%
2.76%
0.11
0.66%
1.56%
1.55%
70.57%
3.29
21.80%
1.52
1.97
29.38%
2.17%
0.07
0.45%
1.50%
1.34%
70.62%
8.03
28.56%
1.66
1.63
8.74%
19.51%
64.42%
64.44%
88.05%
102.41%
85.26%
7.49%
22.33%
61.83%
72.25%
88.56%
89.17%
81.22%
7.09%
26.15%
60.41%
74.35%
92.21%
86.23%
76.53%
4.94%
31.26%
50.50%
68.37%
92.93%
79.56%
62.02%
8.66%
32.33%
50.02%
73.06%
93.82%
77.42%
65.76%
4.64%
5.22%
8.40%
10.85%
38.71%
34.24%
51.35%
45.95%
56.65%
77.21%
73.47%
40.08%
68.60%
94.13%
31.14%
65.96%
16.34%
11.57%
148.71%
12.58%
70.83%
7.91%
7.12
21.55
8.15
7.32%
4.89
19.53
9.87
7.33%
5.12
19.14
10.14
6.27%
7.04
18.61
10.91
6.22%
9.92
22.73
11.76
-0.26
3.20
1.69
3.32
7.46

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

44
HABIB BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
42,999,412
6,900,000
16,817,472
19,281,940
7,346,389
513,574,383
9,347,609
49,980,794
439,724,335
14,521,645
563,920,184
46,244,803
23,532,165
6,550,128
115,822,511
354,798,019
26,921,974
18,812,561
335,985,458
11,802,870
23,982,249
50,741,564
6,900,000
18,628,584
25,212,980
7,202,391
597,894,901
15,379,440
52,218,228
508,986,541
21,310,692
655,838,856
55,361,813
19,558,051
1,628,130
171,932,281
380,751,226
24,588,571
18,490,698
362,260,528
13,582,240
31,515,813
61,290,814
7,590,000
22,882,318
30,818,496
3,753,597
652,237,599
9,781,077
44,022,676
572,399,187
26,034,659
717,282,010
56,359,367
32,720,391
6,193,787
127,786,754
460,244,672
36,086,044
24,536,012
435,708,660
33,490,506
25,022,545
71,235,347
9,108,000
25,801,889
36,325,458
7,860,200
741,885,800
10,041,203
48,121,649
653,452,460
30,270,488
820,981,347
79,527,191
29,560,309
5,352,873
209,421,147
463,385,462
42,309,377
31,101,874
432,283,588
40,187,710
24,648,529
81,811,716
10,018,800
27,671,813
44,121,103
7,713,023
797,527,672
9,774,749
37,430,333
721,069,137
29,253,453
887,052,411
81,516,883
35,990,301
30,339,344
245,016,986
473,417,778
46,677,077
38,419,218
434,998,560
15,876,545
43,313,792
42,152,520
12,504,236
29,648,284
2,801,858
26,846,326
7,670,361
16,489,993
16,312,585
18,026,964
12,050,349
48,342,047
18,001,496
30,340,551
8,020,766
22,319,785
7,971,990
17,164,773
17,355,732
13,127,002
8,041,416
61,157,813
25,523,572
35,634,241
9,295,235
26,339,006
10,336,517
20,820,329
20,253,578
5,855,194
10,000,980
74,751,375
33,088,536
41,662,839
9,612,138
32,050,701
9,942,612
22,507,572
21,733,407
1,948,574
12,298,643
79,999,852
34,090,368
45,909,484
7,979,626
37,929,858
11,049,504
23,922,081
23,053,860
25,057,281
15,613,054
690,000
0.00%
0.00%
15,490,934
297,312,055
690,000
0.40%
0.10%
14,210,526
352,277,094
759,000
55.00%
20.00%
(21,380,958)
296,820,275
910,800
60.00%
10.00%
102,186,246
358,083,924
1,001,880
0.65%
0.10%
50,095,836
253,403,791
70.34%
5.26%
0.28
2.14%
1.36%
4.76%
29.66%
0.90
33.10%
2.13
17.46
62.76%
4.63%
0.16
1.23%
1.22%
3.40%
37.24%
1.32
30.48%
2.18
11.65
58.27%
4.97%
0.16
1.39%
1.44%
3.67%
41.73%
3.46
29.12%
1.96
13.18
55.74%
5.07%
0.17
1.50%
1.21%
3.90%
44.26%
11.15
26.58%
2.19
13.50
57.39%
5.18%
0.19
1.76%
1.25%
4.28%
42.61%
0.92
26.27%
2.09
15.58
12.37%
20.54%
59.58%
77.98%
91.07%
80.69%
72.45%
11.42%
26.22%
55.24%
77.61%
91.16%
74.81%
67.85%
12.42%
17.82%
60.74%
79.80%
90.93%
80.41%
74.66%
13.29%
25.51%
52.65%
79.59%
90.37%
70.91%
66.05%
13.25%
27.62%
49.04%
81.29%
89.91%
65.65%
62.42%
7.59%
6.46%
7.84%
9.13%
62.61%
14.89%
69.88%
48.46%
43.38%
75.20%
58.88%
37.88%
67.99%
59.39%
30.91%
73.51%
9.86%
8.12%
57.05%
20.77%
82.31%
7.63%
6.91
62.32
10.23
7.74%
6.94
73.54
10.03
8.54%
4.84
80.75
9.34
8.68%
5.03
78.21
9.17
9.22%
3.10
81.66
8.81
1.29
1.77
-2.14
8.31
3.21

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

45
HABIB METROPOLITAN BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
10,665,238
3,005,000
5,824,936
1,835,302
202,874
137,800,283
1,619,796
29,518,458
102,492,712
4,169,317
148,668,395
11,348,162
6,296,564
5,447,110
39,555,569
84,142,094
443,248
818,035
83,324,059
649,122
2,047,809
13,462,244
5,018,350
6,383,936
2,059,958
55,948
159,348,809
3,210,041
29,991,633
121,066,469
5,080,666
172,867,001
10,201,545
3,691,183
3,989,249
61,735,796
91,044,061
804,247
1,217,255
89,826,806
1,294,486
2,127,936
16,149,648
6,022,020
7,039,936
3,087,692
(1,144,998)
167,706,203
2,372,146
30,372,598
128,432,616
6,528,843
182,710,853
11,401,384
2,974,237
98,176
53,631,532
110,391,364
1,747,599
2,130,105
108,261,259
1,583,360
4,760,905
18,889,142
7,527,525
7,587,835
3,773,782
(148,629)
218,671,717
3,111,467
68,186,674
142,457,376
4,916,200
237,412,230
11,192,498
4,836,399
150,000
111,679,520
106,922,608
6,364,665
4,629,476
102,293,132
2,431,227
4,829,454
20,954,427
8,731,929
8,151,443
4,071,055
(646,294)
231,902,519
2,572,954
62,529,729
160,457,975
6,341,861
252,210,652
13,923,393
3,123,094
3,190,399
100,993,820
127,350,007
7,463,452
7,522,371
119,827,636
3,352,702
7,799,608
7,289,123
4,416,477
2,872,646
108,381
2,764,265
1,728,631
1,350,098
1,348,921
3,142,798
2,095,889
11,983,551
8,259,184
3,724,367
442,160
3,282,207
3,175,706
2,254,015
2,253,559
4,203,898
2,797,006
15,870,172
10,919,922
4,950,250
1,249,820
3,700,430
3,928,506
3,233,784
3,086,634
4,740,110
3,277,377
21,376,259
14,665,453
6,710,806
2,569,646
4,141,160
3,702,329
3,629,847
3,523,721
4,213,642
2,739,494
23,380,314
16,433,491
6,946,823
3,041,548
3,905,275
4,429,070
4,308,010
4,172,840
4,026,335
2,818,038
300,500
0.00%
0.00%
25,199,751
74,381,709
501,835
0.10%
0.87%
19,073,676
97,951,953
602,202
0.00%
25.00%
(6,265,387)
80,361,851
752,753
10.00%
16.00%
58,192,618
116,806,754
873,193
0.00%
0.20%
(6,943,837)
200,438,547
39.41%
1.93%
0.20
1.41%
1.16%
1.86%
60.59%
0.43
14.97%
0.78
6.97
31.08%
2.15%
0.21
1.62%
1.84%
1.90%
68.92%
0.54
14.87%
0.71
5.57
31.19%
2.71%
0.20
1.79%
2.15%
2.03%
68.81%
0.65
16.33%
0.79
5.44
31.39%
2.83%
0.15
1.15%
1.56%
1.74%
68.61%
0.84
14.47%
0.95
3.64
29.71%
2.75%
0.13
1.12%
1.76%
1.55%
70.29%
1.04
15.49%
0.94
3.23
11.87%
26.61%
56.05%
68.94%
92.69%
82.10%
63.74%
8.04%
35.71%
51.96%
70.03%
92.18%
75.20%
60.27%
7.87%
29.35%
59.25%
70.29%
91.79%
85.95%
69.51%
6.75%
47.04%
43.09%
60.00%
92.11%
75.06%
50.76%
6.76%
40.04%
47.51%
63.62%
91.95%
79.37%
57.11%
0.53%
0.88%
1.58%
5.95%
4.16%
13.25%
184.55%
5.97%
36.32%
151.35%
10.82%
58.67%
121.89%
33.69%
55.51%
72.74%
5.86%
5.91%
35.62%
40.43%
100.79%
7.17%
6.97
35.49
9.61
7.79%
7.28
26.83
8.99
8.84%
4.98
26.82
7.95
7.96%
6.18
25.09
7.54
8.31%
9.57
24.00
7.66
12.02
6.82
-1.91
21.24
-2.46

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

46
JS BANK
Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,003,808
3,004,225
0
(417)
0
9,541,647
610,623
800,005
7,198,149
932,870
12,545,455
1,912,648
1,463,280
2,825,912
2,582,096
1,801,530
108,699
108,699
1,692,831
379,584
1,689,104
5,141,351
5,106,337
7,086
27,928
52,456
15,133,945
727,179
481,147
13,679,898
245,721
20,327,752
977,235
254,079
3,601,211
6,109,536
6,593,635
143,604
117,672
6,475,963
491,736
2,417,992
5,784,628
5,694,844
18,040
71,744
(508,791)
16,351,965
127,922
537,655
15,294,273
392,115
21,627,802
1,285,247
672,271
1,405,210
5,138,709
9,810,093
455,504
129,644
9,680,449
2,496,883
949,033
5,622,453
6,127,605
18,040
(523,192)
32,106
27,240,361
320,492
5,039,635
21,313,791
566,443
32,894,920
1,764,403
1,820,857
3,482,564
9,535,555
12,167,220
857,059
477,567
11,689,653
3,039,329
1,562,559
7,237,084
8,149,715
18,040
(930,671)
(1,398,798)
33,545,361
369,620
5,524,410
26,276,328
1,375,003
39,383,647
2,298,806
917,802
3,643,360
13,701,699
14,505,537
1,902,566
527,424
13,978,113
2,882,941
1,960,926
2,050
1,554
496
0
496
101
1,003
1,003
(11)
(417)
1,130,383
864,300
266,083
9,727
256,356
418,340
736,917
736,263
97,625
35,431
1,975,203
1,361,738
613,465
11,218
602,247
492,345
983,367
982,624
111,225
54,770
2,527,295
1,806,709
720,586
772,688
(52,102)
339,470
1,736,161
1,734,815
(1,448,793)
(594,936)
3,299,767
2,255,014
1,044,753
136,484
908,269
332,974
1,863,793
1,846,840
(622,550)
(407,479)
300,423
0.00%
0.00%
(275,870)
5,083,060
510,634
0.00%
0.00%
(660,884)
3,853,683
569,484
20.00%
0.00%
403,176
1,260,563
612,761
0.00%
0.00%
6,015,819
10,400,433
814,972
0.00%
0.00%
1,760,620
7,898,774
24.20%
0.00%
0.00
0.00%
0.00%
0.00%
75.80%
-91.18
46.63%
9.93
0.00
23.54%
1.31%
0.01
0.17%
2.06%
1.26%
76.46%
7.54
47.58%
1.76
0.07
31.06%
2.84%
0.01
0.25%
2.28%
2.78%
68.94%
8.83
39.85%
2.00
0.10
28.51%
2.19%
-0.11
-1.81%
1.03%
-0.16%
71.49%
-1.20
60.56%
5.11
-0.97
31.66%
2.65%
-0.06
-1.03%
0.85%
2.31%
68.34%
-2.97
51.31%
5.55
-0.50
26.91%
20.58%
13.49%
57.38%
76.06%
25.03%
22.52%
6.06%
30.06%
31.86%
67.30%
74.45%
48.20%
46.56%
9.05%
23.76%
44.76%
70.72%
75.61%
64.14%
61.96%
10.90%
28.99%
35.54%
64.79%
82.81%
57.09%
46.17%
8.17%
34.79%
35.49%
66.72%
85.18%
55.20%
45.61%
6.03%
2.18%
4.64%
7.04%
3.62%
0.00%
100.00%
2.79%
8.27%
81.94%
7.87%
8.65%
28.46%
15.24%
161.80%
55.72%
13.12%
3.64%
26.29%
25.88%
27.72%
23.94%
1.69
10.00
2.40
25.29%
0.75
10.07
2.66
26.75%
0.22
10.16
2.64
17.09%
1.85
9.18
3.79
18.38%
1.09
8.88
3.63
661.56
-18.65
-10.11
-4.32

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

47
7.36
KASB BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,241,299
2,292,707
111,748
(163,156)
(112,502)
24,409,938
199,670
2,176,032
21,275,570
758,666
26,538,735
2,305,082
799,731
2,305,232
5,094,312
14,807,779
1,016,710
695,061
14,112,718
673,064
1,248,596
3,250,768
3,106,978
151,287
(7,497)
1,033,224
36,606,580
879,152
1,745,807
33,131,773
849,848
40,890,572
3,001,895
807,555
1,766,398
7,277,875
26,046,768
1,069,872
903,615
25,143,153
1,094,748
1,798,948
3,191,389
4,014,890
151,287
(974,788)
6,008,118
42,599,591
217,520
6,300,622
35,087,477
993,972
51,799,098
1,507,632
59,093
556,455
9,454,149
35,164,850
7,354,408
2,924,654
32,240,196
2,909,213
5,072,360
4,480,081
9,508,617
151,287
(5,179,823)
478,789
54,264,188
386,066
8,196,640
43,899,695
1,781,787
59,223,058
2,851,665
185,896
2,815,159
15,129,090
33,636,057
6,245,779
4,137,305
29,498,752
3,298,720
5,443,776
1,806,752
9,508,617
151,287
(7,853,152)
375,705
54,247,026
541,041
6,138,207
46,274,187
1,293,591
56,429,483
3,272,520
199,276
40,000
13,052,504
34,837,999
9,616,599
5,310,301
29,527,698
3,379,130
6,958,355
1,790,347
1,429,045
361,302
41,287
320,015
592,947
860,167
853,523
52,795
137,347
2,917,344
2,285,381
631,963
212,976
418,987
821,479
1,174,904
1,153,736
65,562
197,693
4,861,400
4,448,440
412,960
2,223,938
(1,810,978)
615,591
1,787,364
1,759,032
(1,849,199)
(972,969)
5,061,633
5,490,397
(428,764)
2,512,373
(2,941,137)
555,032
2,414,518
2,379,347
(5,943,304)
(4,227,748)
5,017,060
5,064,141
(47,081)
1,535,324
1,582,405
623,113
2,496,083
2,495,158
(3,455,375)
(2,710,669)
229,270
0.00%
0.00%
2,625,399
8,369,812
310,698
0.00%
0.00%
1,200,499
10,375,250
401,489
0.00%
0.00%
(3,436,371)
14,966,219
950,862
26.00%
0.00%
9,132,412
18,276,636
950,862
0.00%
0.00%
(852,700)
21,047,073
20.18%
1.36%
0.06
0.52%
2.23%
1.21%
79.82%
16.17
36.09%
1.44
0.60
21.66%
1.55%
0.06
0.48%
2.01%
1.02%
78.34%
17.60
31.42%
1.40
0.64
8.49%
0.80%
-0.30
-1.88%
1.19%
-3.50%
91.51%
-0.95
32.63%
2.86
-2.42
-8.47%
-0.72%
-0.94
-7.14%
0.94%
-4.97%
108.47%
-0.40
42.99%
4.29
-4.45
-0.94%
-0.08%
-1.50
-4.80%
1.10%
2.80%
100.94%
-0.72
44.26%
4.00
-2.85
11.70%
19.20%
53.18%
80.17%
91.98%
69.60%
63.14%
9.32%
17.80%
61.49%
81.03%
89.52%
78.62%
74.68%
3.02%
18.25%
62.24%
67.74%
82.24%
100.22%
84.96%
5.13%
25.55%
49.81%
74.13%
91.63%
76.62%
64.57%
6.15%
23.13%
52.33%
82.00%
96.13%
75.29%
66.47%
6.87%
4.11%
20.91%
18.57%
45.36%
5.94%
68.36%
32.91%
23.57%
84.46%
230.45%
76.04%
39.77%
139.41%
60.72%
66.24%
27.60%
15.24%
532.26%
28.91%
55.22%
8.45%
3.73
9.78
9.49
7.95%
3.19
10.46
10.19
6.16%
4.69
7.95
10.99
7.56%
4.08
4.71
9.80
3.20%
11.65
1.90
25.61
19.12
6.07
3.53
-2.16
0.31

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

48
MCB BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
35,656,675
5,463,276
24,662,426
5,530,973
5,187,639
301,263,929
7,089,679
23,943,476
257,461,838
12,768,936
342,108,243
32,465,976
6,577,017
21,081,800
63,486,316
206,847,499
8,570,813
8,608,344
198,239,155
9,054,156
11,203,823
45,414,156
6,282,768
34,000,638
5,130,750
9,705,519
355,365,842
10,479,058
39,406,831
292,098,066
13,381,887
410,485,517
39,683,883
3,807,519
1,051,372
113,089,261
229,732,772
10,725,308
10,772,174
218,960,598
16,024,123
17,868,761
52,244,865
6,282,768
36,768,765
9,193,332
6,191,189
385,179,850
10,551,468
22,663,840
330,181,624
21,782,918
443,615,904
39,631,172
4,043,100
4,100,079
96,631,874
272,847,325
56,462
10,711,855
262,135,470
17,263,733
19,810,476
61,075,932
6,911,045
38,385,760
15,779,127
8,664,081
439,483,714
8,201,090
44,662,088
367,604,711
19,015,825
509,223,727
38,774,871
6,009,993
3,000,000
167,134,465
269,722,176
70,923
16,472,769
253,249,407
18,014,896
23,040,095
69,180,011
7,602,150
40,162,906
21,414,955
10,024,198
488,348,404
10,265,537
25,684,593
431,371,937
21,026,337
567,552,613
45,407,183
1,478,569
4,401,781
213,060,882
274,143,924
24,543,807
19,592,335
254,551,589
20,947,540
27,705,069
25,778,061
4,525,359
21,252,702
1,182,737
20,069,965
4,991,416
6,560,711
6,482,592
18,500,670
12,142,398
31,786,595
7,865,533
23,921,062
3,065,051
20,856,011
6,011,291
5,559,267
5,022,416
21,308,035
15,265,562
40,043,824
11,560,740
28,483,084
4,019,121
24,463,963
5,791,440
8,387,837
7,546,878
21,867,566
15,374,600
51,616,007
15,841,463
35,774,544
7,322,321
28,452,223
5,642,885
10,940,163
10,107,189
23,154,945
15,495,297
54,821,296
17,987,767
36,833,529
3,597,117
33,236,412
6,265,306
13,248,643
12,173,942
26,253,075
16,873,175
546,328
0.75%
0.15%
3,541,222
160,843,008
628,277
1.25%
0.00%
61,899,299
213,317,107
628,276
115.00%
10.00%
2,031,538
392,959,678
691,105
110.00%
10.00%
78,148,082
376,583,024
760,215
1.15%
0.10%
58,701,161
136,245,597
82.44%
6.21%
0.34
3.55%
1.46%
5.87%
17.56%
0.35
21.32%
1.30
22.23
75.26%
5.83%
0.34
3.72%
1.46%
5.08%
24.74%
0.24
14.71%
0.84
24.30
71.13%
6.42%
0.29
3.47%
1.31%
5.51%
28.87%
0.35
18.30%
1.30
24.47
69.31%
7.03%
0.25
3.04%
1.11%
5.59%
30.69%
0.44
19.11%
1.79
22.42
67.19%
6.49%
0.24
2.97%
1.10%
5.86%
32.81%
0.46
21.69%
1.94
22.20
11.41%
18.56%
57.95%
75.26%
88.06%
80.34%
73.51%
10.60%
27.55%
53.34%
71.16%
86.57%
78.65%
69.30%
9.85%
21.78%
59.09%
74.43%
86.83%
82.64%
77.33%
8.79%
32.82%
49.73%
72.19%
86.30%
73.37%
65.42%
8.26%
37.54%
44.85%
76.01%
86.04%
63.55%
59.98%
4.14%
4.67%
0.02%
0.03%
24.04%
13.74%
100.44%
23.62%
28.45%
100.44%
0.11%
37.52%
18,971.80%
0.12%
44.45%
23,226.27%
8.95%
7.15%
35.48%
18.36%
79.83%
10.42%
4.51
65.27
7.22
11.06%
4.70
72.28
6.43
11.78%
7.52
83.16
6.32
11.99%
6.17
88.37
6.02
12.19%
1.97
91.00
6.24
0.29
4.05
0.13
5.04
3.48

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

49
MEEZAN BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
4,756,409
3,779,897
528,085
448,427
6,950
41,675,264
563,228
428,212
34,449,441
6,234,383
46,438,623
5,897,394
4,134,875
3,700,000
2,877,554
27,269,271
408,442
238,255
27,031,016
531,262
2,266,522
5,719,910
3,779,897
720,785
1,219,228
(13,254)
61,471,903
1,192,160
2,415,606
54,582,353
3,281,784
67,178,559
5,644,028
3,729,549
8,850,000
10,535,186
35,249,612
553,339
673,273
34,576,339
1,032,963
2,810,494
6,341,097
4,925,961
845,022
570,114
(366,119)
79,301,092
1,057,017
4,008,496
70,233,875
4,001,704
85,276,070
5,763,710
1,344,974
18,108,000
14,526,699
40,626,920
3,649,163
1,098,189
39,528,731
1,880,515
4,123,441
9,090,535
6,650,048
1,050,092
1,390,395
93,924
114,997,275
1,249,210
8,468,425
100,333,051
4,946,589
124,181,734
8,387,432
5,260,467
34,499,500
23,290,309
46,716,610
2,060,108
2,528,544
44,188,066
2,416,375
6,139,585
10,740,123
6,982,550
1,380,010
2,377,563
339,868
143,672,434
1,767,370
5,829,296
131,070,328
5,005,440
154,752,425
12,780,806
9,939,660
10,511,855
54,966,907
58,046,309
4,318,323
3,851,146
54,195,163
3,066,100
9,291,934
2,704,280
1,464,173
1,240,107
122,878
1,117,229
690,561
1,027,767
1,022,991
780,023
604,251
4,573,752
2,451,968
2,121,784
435,896
1,685,888
1,347,893
1,764,593
1,755,761
1,269,188
963,501
6,803,213
3,088,334
3,714,879
717,320
2,997,559
707,908
2,713,156
2,626,606
992,311
621,187
10,102,060
4,969,916
5,132,144
1,519,176
3,612,968
1,597,804
3,471,049
3,530,161
1,739,723
1,025,351
12,290,549
6,606,474
5,684,075
1,496,476
4,187,599
2,475,030
4,535,669
4,460,804
2,126,960
1,649,588
377,990
0.00%
0.10%
3,485,231
36,504,507
377,990
0.00%
0.20%
7,465,000
56,113,028
492,596
0.00%
9.00%
3,320,190
56,411,095
665,005
35.00%
5.00%
13,966,350
73,034,851
698,255
0.00%
0.15%
41,257,569
108,236,057
45.86%
2.67%
0.13
1.30%
1.49%
2.41%
54.14%
1.31
30.27%
1.48
1.60
46.39%
3.16%
0.17
1.43%
2.01%
2.51%
53.61%
1.38
29.80%
1.30
2.55
54.60%
4.36%
0.10
0.73%
0.83%
3.52%
45.40%
2.65
36.12%
3.71
1.26
50.80%
4.13%
0.11
0.83%
1.29%
2.91%
49.20%
2.03
29.67%
2.21
1.54
46.25%
3.67%
0.15
1.07%
1.60%
2.71%
53.75%
2.10
30.72%
1.80
2.36
21.60%
6.20%
58.21%
74.18%
89.74%
79.16%
78.19%
13.95%
15.68%
51.47%
81.25%
91.51%
64.58%
61.84%
8.34%
17.03%
46.35%
82.36%
92.99%
57.85%
54.72%
10.99%
18.76%
35.58%
80.80%
92.60%
46.56%
42.94%
14.68%
35.52%
35.02%
84.70%
92.84%
44.29%
42.40%
1.50%
1.57%
8.98%
4.41%
8.59%
51.57%
58.33%
9.67%
64.74%
121.67%
57.55%
65.32%
30.09%
22.66%
60.08%
122.74%
7.44%
6.63%
40.21%
38.86%
89.18%
10.24%
7.67
12.58
7.24
8.51%
9.81
15.13
9.54
7.44%
8.90
12.87
11.08
7.32%
8.03
13.67
11.04
6.94%
10.08
15.38
12.20
5.77
7.75
5.34
13.62
25.01

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

50
MyBANK LIMITED
Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,928,567
3,085,721
255,941
586,905
885,259
21,475,891
225,322
1,624,470
19,169,226
456,873
26,289,717
1,993,815
722,089
4,780,887
2,711,220
13,893,523
1,011,020
406,684
13,486,839
2,036,225
558,642
5,063,698
4,242,866
324,005
496,827
878,622
34,659,293
895,616
2,796,478
30,153,164
814,035
40,601,613
2,613,835
280,497
1,567,626
11,601,143
21,768,983
1,184,684
977,232
20,791,751
2,080,341
1,666,420
5,853,730
5,303,582
324,005
226,143
289,338
33,659,935
273,286
4,600,431
28,032,735
753,483
39,803,003
1,862,545
566,725
1,748,761
10,294,970
23,026,782
7,102,598
2,086,701
20,940,081
2,414,783
1,975,138
4,235,232
5,303,582
324,005
(1,392,355)
869,632
30,385,841
330,759
2,550,386
26,848,808
655,888
35,490,705
2,073,321
433,055
35,000
10,037,950
21,149,136
7,679,502
3,720,713
17,428,423
2,321,845
3,161,111
2,304,214
435,060
2,797,793
(928,639)
3,586,269
9,355,390
21,777
5,250,000
3,820,343
263,270
15,245,873
814,147
1,709,436
0
799,673
7,385,647
3,430,614
1,605,894
5,779,753
3,700,872
2,441,992
1,685,810
865,668
820,142
37,772
782,370
452,238
611,548
587,525
623,060
499,345
2,907,075
2,208,225
698,850
651,101
47,749
910,560
733,221
722,553
225,088
340,319
3,640,787
2,829,578
811,209
1,583,670
(772,461)
942,648
931,012
922,538
(760,825)
(350,293)
3,368,218
2,881,902
486,316
1,933,811
(1,447,495)
383,758
1,092,775
1,064,180
(2,156,512)
(1,639,829)
1,553,750
965,655
588,095
158,452
429,643
76,830
681,299
680,681
(174,826)
(179,626)
308,572
0.05%
0.00%
344,793
14,770,061
424,287
0.00%
0.13%
7,593,248
11,667,619
530,358
25.00%
0.00%
(1,902,601)
11,920,893
530,358
0.00%
0.00%
(798,785)
5,362,449
4,351
0.00%
0.00%
(2,135,260)
241,483
48.65%
3.12%
0.13
1.90%
1.72%
2.98%
51.35%
0.94
28.60%
1.30
1.62
24.04%
1.72%
0.07
0.84%
2.24%
0.12%
75.96%
3.21
19.21%
0.79
0.80
22.28%
2.04%
-0.06
-0.88%
2.37%
-1.94%
77.72%
-1.21
20.31%
0.98
-0.66
14.44%
1.37%
-0.39
-4.62%
1.08%
-4.08%
85.56%
-0.49
29.13%
2.77
-3.09
37.85%
3.86%
-0.08
-1.18%
0.50%
2.82%
62.15%
-3.89
41.78%
8.86
-41.29
10.33%
10.31%
51.30%
72.92%
81.69%
72.48%
66.82%
7.13%
28.57%
51.21%
74.27%
85.36%
72.19%
66.07%
6.10%
25.86%
52.61%
70.43%
84.57%
82.14%
70.56%
7.06%
28.28%
49.11%
75.65%
85.62%
78.77%
71.94%
16.55%
5.25%
37.91%
25.06%
61.36%
193.32%
81.43%
7.28%
5.44%
30.84%
36.31%
25.74%
9.29%
40.23%
23.40%
66.63%
82.49%
121.33%
75.89%
29.38%
181.32%
51.97%
48.45%
46.45%
21.74%
148.88%
9.87%
46.81%
14.94%
3.76
12.73
4.88
12.47%
2.30
11.93
5.95
14.71%
2.04
11.04
4.79
11.93%
1.27
7.99
6.34
15.11%
0.10
529.63
1.66
0.69
22.31
5.43
0.49
11.89

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

51
NIB BANK
Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
4,374,405
3,361,522
719,810
293,073
(47,833)
42,096,968
215,769
9,164,121
30,566,540
2,150,538
46,423,540
2,928,404
1,362,497
2,600,000
6,558,733
31,885,851
1,023,868
833,682
31,052,169
622,216
1,299,521
22,594,386
22,017,968
719,810
(143,392)
13,997,648
140,061,370
2,110,211
16,669,412
116,671,219
4,610,528
176,653,404
10,318,722
1,401,796
4,753,113
40,498,840
92,586,336
13,252,316
10,426,262
82,160,074
30,800,135
6,720,724
29,006,672
28,437,271
8,326,684
(7,757,283)
10,691,836
139,210,607
1,432,084
23,651,366
104,586,167
9,540,990
178,909,115
9,355,104
793,843
12,459,621
35,176,823
97,322,481
16,715,515
16,978,288
80,344,193
3,702,426
37,077,105
41,643,272
40,437,271
8,464,894
(7,258,893)
(115,027)
166,590,718
1,574,207
62,523,365
93,919,805
8,573,341
208,118,963
8,834,275
3,683,783
5,681,887
62,432,977
100,000,757
15,746,457
15,979,351
84,021,406
3,114,632
40,350,003
7,309,686
40,437,271
8,464,894
(41,592,479)
6,353,079
150,687,274
1,335,493
42,361,934
99,169,373
7,820,474
164,350,039
8,836,449
2,951,479
6,429,166
51,789,035
98,344,554
34,711,468
23,778,539
74,566,015
2,718,975
17,058,920
3,473,364
2,452,192
1,021,172
269,583
751,589
494,006
1,223,682
1,221,423
21,913
117,858
6,999,888
4,995,955
2,003,933
1,494,801
509,132
598,771
2,006,961
2,002,159
(571,207)
(350,557)
15,201,691
10,799,816
4,401,875
9,657,400
(5,255,525)
2,421,876
8,164,241
6,433,122
(1,099,789)
(7,474,679)
18,272,363
12,872,357
5,400,006
1,195,329
4,204,677
1,681,833
5,242,439
5,345,307
644,071
691,048
16,482,080
13,533,160
2,948,920
10,050,404
(7,101,484)
1,715,352
7,235,425
6,955,148
(12,621,557)
(10,112,114)
336,152
0.00%
0.00%
3,361,522
23,431,989
2,201,797
0.00%
0.00%
7,989,545
55,864,113
2,843,727
42.00%
0.00%
21,302,169
93,144,827
4,043,727
0.00%
0.00%
28,507,068
123,505,187
4,043,727
0.00%
0.00%
(18,017,973)
152,511,924
29.40%
2.20%
0.03
0.25%
1.06%
1.62%
70.60%
55.74
30.84%
2.47
0.35
28.63%
1.13%
-0.02
-0.20%
0.34%
0.29%
71.37%
-3.51
26.41%
3.34
-0.16
28.96%
2.46%
-0.26
-4.18%
1.35%
-2.94%
71.04%
-5.85
46.33%
2.66
-2.63
29.55%
2.59%
0.02
0.33%
0.81%
2.02%
70.45%
8.30
26.27%
3.18
0.17
17.89%
1.79%
-1.38
-6.15%
1.04%
-4.32%
82.11%
-0.55
39.76%
4.05
-2.50
9.24%
14.13%
66.89%
65.84%
90.68%
104.32%
80.26%
6.63%
22.93%
46.51%
66.05%
79.29%
79.36%
69.44%
5.67%
19.66%
44.91%
58.46%
77.81%
93.05%
75.89%
6.01%
30.00%
40.37%
45.13%
80.05%
106.47%
63.92%
7.17%
31.51%
45.37%
60.34%
91.69%
99.17%
69.49%
3.21%
14.31%
17.18%
15.75%
23.41%
32.34%
81.42%
58.65%
14.34%
78.68%
57.63%
56.88%
101.57%
37.81%
7.48%
101.48%
35.30%
24.18%
474.87%
42.27%
68.50%
9.42%
5.36
13.01
6.99
12.79%
2.47
10.26
5.16
16.21%
3.21
10.20
3.61
20.01%
2.97
10.30
2.26
4.45%
20.86
1.81
13.57
28.52
-22.79
-2.85
41.25
1.78

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

52
SAMBA BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,592,533
2,769,517
43,080
(1,220,064)
(13,732)
6,599,875
50,626
442,469
5,577,641
529,139
8,178,676
782,781
132,037
493,473
2,228,268
4,013,454
2,530,413
1,618,436
2,395,018
846,259
1,300,840
6,218,641
8,769,517
43,080
(2,593,956)
(16,483)
14,453,144
1,056,878
182,611
12,644,938
568,717
20,655,302
1,003,611
63,348
8,565,836
3,947,925
7,105,438
2,410,997
2,412,325
4,693,113
854,292
1,527,177
5,476,330
8,769,517
43,080
(3,336,267)
(14,176)
11,025,182
55,349
437,949
9,859,537
672,347
16,487,336
774,575
331,201
2,313,308
3,829,354
8,605,889
1,961,143
2,442,881
6,163,008
1,157,689
1,918,201
4,883,277
8,769,517
43,080
(3,929,320)
2,192,383
16,658,466
78,127
3,141,284
12,520,633
918,422
23,734,126
961,280
707,912
3,123,377
5,807,829
12,343,360
2,726,295
2,619,949
9,723,411
1,112,169
2,298,148
7,936,255
14,334,734
43,080
(6,441,559)
(10,577)
22,585,442
115,759
6,534,994
14,871,806
1,062,883
30,511,120
1,250,011
1,195,948
1,389,003
11,090,905
14,747,321
2,711,299
2,609,535
12,137,786
1,001,413
2,446,054
483,218
551,936
(68,718)
135,222
(203,940)
84,285
728,690
647,114
(848,345)
(587,635)
1,182,921
837,869
345,052
924,777
(579,725)
128,432
921,386
891,889
(1,372,679)
(1,322,892)
1,758,004
1,071,307
686,697
312,528
374,169
125,429
1,511,039
1,461,077
(1,011,441)
(742,311)
1,878,626
1,208,857
669,769
239,511
430,258
92,224
1,590,906
1,415,235
(1,068,424)
(593,053)
2,384,653
1,350,320
1,034,333
17,599
1,016,734
321,243
1,468,273
1,456,873
(130,296)
(10,702)
276,952
0.00%
0.00%
(333,326)
840,122
876,952
0.00%
0.00%
(3,934,986)
2,089,651
876,952
0.00%
0.00%
4,073,848
30,569,856
876,952
0.00%
0.00%
6,840,004
14,557,877
1,433,473
0.00%
0.00%
5,087,251
17,205,195
-14.22%
-0.84%
-0.37
-7.18%
1.03%
-2.49%
114.22%
-0.76
128.40%
7.68
-2.12
29.17%
1.67%
-0.21
-6.40%
0.62%
-2.81%
70.83%
-0.65
70.26%
6.94
-1.51
39.06%
4.16%
-0.14
-4.50%
0.76%
2.27%
60.94%
-1.44
80.23%
11.65
-0.85
35.65%
2.82%
-0.12
-2.50%
0.39%
1.81%
64.35%
-1.32
80.72%
15.35
-0.68
43.37%
3.39%
0.00
-0.04%
1.05%
3.33%
56.63%
-11.18
54.26%
4.54
-0.01
11.19%
27.24%
29.28%
68.20%
80.70%
71.96%
66.67%
5.17%
19.11%
22.72%
61.22%
69.97%
56.19%
55.39%
6.71%
23.23%
37.38%
59.80%
66.87%
87.28%
83.57%
7.03%
24.47%
40.97%
52.75%
70.19%
98.58%
78.81%
8.02%
36.35%
39.78%
48.74%
74.02%
99.16%
68.89%
63.05%
33.93%
22.79%
22.09%
158.89%
8.36%
63.96%
38.77%
38.34%
100.06%
35.81%
12.79%
124.56%
55.83%
9.14%
96.10%
18.39%
17.69%
34.16%
0.67%
96.25%
19.47%
0.53
5.75
3.50
30.11%
0.34
7.09
2.03
33.22%
5.58
6.24
1.80
20.57%
2.98
5.57
2.56
26.01%
2.17
5.54
1.87
0.57
2.97
-5.49
-11.53
-475.36

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

53
SILKBANK LIMITED
Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,985,330
3,847,500
218,556
(1,080,726)
1,012,709
55,202,810
408,342
4,236,775
49,015,090
1,542,603
59,200,849
3,994,136
613,678
4,747,567
15,828,682
31,527,073
4,634,695
2,505,099
29,021,974
2,322,371
2,672,441
1,100,769
5,001,750
218,556
(4,119,537)
1,079,670
51,480,161
570,756
6,880,449
42,373,710
1,655,246
53,660,600
3,223,780
128,991
839,959
17,859,169
31,415,818
6,136,018
5,540,846
25,874,972
2,367,883
3,365,846
3,089,997
9,003,150
218,556
(6,131,709)
1,301,363
51,253,908
431,537
8,738,616
41,056,630
1,027,125
55,645,268
3,070,067
190,197
1,376,651
12,012,233
38,187,392
12,845,225
7,100,019
31,087,373
3,002,450
4,906,297
196,905
9,003,150
224,649
(9,030,894)
1,566,184
66,901,252
637,602
15,088,332
49,610,034
1,565,284
68,664,341
3,120,880
151,068
1,067,708
20,179,329
40,592,094
11,891,428
8,494,604
32,097,490
3,720,695
8,327,171
18,101,759
26,716,048
0
(8,614,289)
(13,267,812)
67,769,461
836,931
9,871,141
55,706,188
1,355,201
72,603,408
3,414,524
89,355
1,050,754
12,964,526
52,924,512
12,359,904
8,570,106
44,354,406
2,443,805
8,286,038
3,712,420
3,260,952
451,468
408,095
43,373
706,002
1,141,676
1,262,448
(408,968)
(303,686)
4,799,853
4,440,116
359,737
3,132,444
(2,772,707)
776,825
1,324,383
1,270,317
(3,320,265)
(3,040,907)
4,588,299
4,218,901
369,398
1,642,093
(1,272,695)
384,510
1,946,070
1,935,732
(2,834,255)
(2,014,268)
5,913,317
5,855,517
57,800
2,309,355
(2,251,555)
662,187
2,663,091
2,747,856
(4,252,459)
(2,902,905)
6,775,565
5,926,528
849,037
228,114
620,923
1,184,804
3,041,273
3,153,601
(1,235,546)
(1,131,154)
384,750
0.00%
0.00%
3,433,197
21,556,207
500,175
0.00%
0.00%
(2,009,657)
15,144,301
900,315
80.00%
0.00%
(7,387,980)
13,208,986
900,315
0.00%
0.00%
6,510,410
13,454,187
2,671,605
0.00%
0.00%
(10,011,424)
18,460,536
12.16%
0.76%
-0.10
-0.51%
1.19%
0.07%
87.84%
-3.09
25.84%
1.79
-0.79
7.49%
0.67%
-2.76
-5.67%
1.45%
-5.17%
92.51%
-0.38
23.75%
1.64
-6.08
8.05%
0.66%
-0.65
-3.62%
0.69%
-2.29%
91.95%
-0.68
39.13%
5.03
-2.24
0.98%
0.08%
-14.74
-4.23%
0.96%
-3.28%
99.02%
-0.65
40.50%
4.15
-3.22
12.53%
1.17%
-0.06
-1.56%
1.63%
0.86%
87.47%
-2.55
38.21%
2.66
-0.42
7.78%
26.74%
49.02%
82.79%
93.25%
64.32%
59.20%
6.25%
33.28%
48.22%
78.97%
95.94%
74.14%
63.78%
5.86%
21.59%
55.87%
73.78%
92.11%
93.01%
76.69%
4.77%
29.39%
46.75%
72.25%
97.43%
81.82%
62.74%
4.83%
17.86%
61.09%
76.73%
93.34%
95.01%
80.71%
14.70%
19.53%
33.64%
29.29%
155.25%
16.29%
54.05%
557.43%
56.53%
90.30%
415.70%
23.13%
55.27%
6,039.17%
27.19%
71.43%
23.35%
16.19%
68.28%
2.66%
69.34%
5.04%
7.22
7.76
16.42
2.05%
13.76
2.20
38.49
5.55%
4.27
3.43
13.29
0.29%
68.33
0.22
251.95
24.93%
1.02
6.78
3.08
0.66
3.67
-2.24
8.85

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

-11.31
54
SONERI BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
5,194,290
3,116,835
1,676,602
400,853
417,613
65,117,771
957,576
8,916,437
53,000,647
2,243,111
70,729,674
5,551,302
6,603,003
3,193,405
16,724,253
35,828,359
351,710
416,111
35,412,248
1,929,885
1,315,578
6,229,666
4,114,222
1,876,669
238,775
380,813
70,243,581
1,640,514
5,865,471
60,150,128
2,587,468
76,854,060
5,861,205
4,349,673
3,175,009
19,181,562
40,805,224
1,277,490
650,775
40,154,449
2,150,955
1,981,207
6,965,749
4,114,222
2,016,877
834,650
147,298
73,864,207
1,254,496
8,441,454
61,634,491
2,533,766
80,977,254
5,646,755
3,908,859
3,990,269
14,053,177
49,464,962
5,002,417
1,889,598
47,575,364
3,126,857
2,675,973
7,181,577
5,019,351
2,003,948
158,278
621,624
87,507,071
1,763,401
9,385,522
73,548,226
2,809,922
95,310,272
6,471,173
1,497,193
2,755,377
29,537,179
51,939,441
3,190,077
3,212,338
48,727,103
3,333,891
2,988,356
8,381,360
6,023,221
2,029,036
329,103
536,313
99,188,005
1,857,810
12,370,528
82,016,811
2,942,856
108,105,678
7,247,711
1,400,451
2,531,900
34,985,663
59,293,364
7,096,036
4,617,643
54,675,721
3,468,923
3,795,309
5,536,098
3,768,323
1,767,775
36,745
1,731,030
754,877
1,037,006
1,028,824
1,448,901
985,298
6,271,636
4,334,358
1,937,281
234,815
1,702,466
1,067,664
1,293,445
1,278,974
1,476,685
1,000,334
7,822,941
4,878,347
2,944,594
1,265,942
1,678,652
1,226,206
1,951,625
1,673,590
953,233
701,041
9,337,284
6,602,779
2,734,505
1,633,343
1,101,162
1,168,193
2,078,942
2,113,660
190,413
145,355
10,250,494
7,203,842
3,046,652
1,452,236
1,594,416
1,228,431
2,682,400
2,623,991
140,447
125,440
311,683
0.00%
0.30%
5,767,553
40,533,634
411,422
0.00%
0.20%
892,813
44,250,847
411,422
0.00%
22.00%
4,500,148
30,104,153
501,935
0.00%
0.00%
13,892,687
39,824,682
602,322
0.00%
0.00%
5,497,142
55,540,656
31.93%
2.50%
0.19
1.39%
1.07%
2.45%
68.07%
0.71
16.48%
1.36
3.16
30.89%
2.52%
0.16
1.30%
1.39%
2.22%
69.11%
0.87
17.62%
1.20
2.43
37.64%
3.64%
0.10
0.87%
1.51%
2.07%
62.36%
1.76
21.57%
1.36
1.70
29.29%
2.87%
0.02
0.15%
1.23%
1.16%
70.71%
11.10
19.79%
1.81
0.29
29.72%
2.82%
0.01
0.12%
1.14%
1.47%
70.28%
18.68
23.37%
2.14
0.21
17.18%
23.65%
50.07%
74.93%
92.07%
67.60%
57.87%
13.29%
24.96%
52.25%
78.27%
91.40%
67.84%
61.81%
11.80%
17.35%
58.75%
76.11%
91.22%
80.26%
70.59%
8.36%
30.99%
51.12%
77.17%
91.81%
70.62%
62.63%
8.00%
32.36%
50.58%
75.87%
91.75%
72.29%
62.82%
0.98%
3.13%
10.11%
6.14%
6.77%
8.83%
118.31%
20.51%
36.08%
50.94%
71.81%
67.00%
37.77%
44.42%
50.85%
100.70%
11.97%
7.79%
84.66%
31.45%
65.07%
7.34%
7.80
16.67
10.20
8.11%
7.10
15.14
9.66
8.60%
4.32
16.93
8.85
7.53%
5.55
14.31
10.24
7.75%
6.63
13.92
9.79
5.85
0.89
6.42
95.58
43.82

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

55
STANDARD CHARTERED BANK (PAKISTAN) LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
40,558,670
38,715,850
1,113,606
729,214
(328,557)
206,087,623
4,259,834
22,045,237
156,878,328
22,904,224
246,317,736
22,797,606
3,544,796
3,873,224
34,629,051
138,454,686
8,420,970
9,450,568
129,004,118
3,369,016
49,099,925
43,340,575
38,715,850
1,653,044
2,971,681
(274,265)
212,478,904
6,637,388
6,616,065
177,161,630
22,063,821
255,545,214
26,295,860
1,628,280
15,225,935
40,696,466
131,085,549
10,493,345
11,548,534
119,537,015
3,734,139
48,427,519
44,010,120
38,715,850
1,812,492
3,481,778
(1,252,980)
221,860,038
4,296,420
8,695,730
174,551,801
34,316,087
264,617,178
22,741,035
1,261,582
31,466,898
29,586,663
137,716,271
16,534,389
12,114,806
125,601,465
3,886,275
50,073,260
44,665,571
38,715,850
1,946,365
4,003,356
3,080,285
265,128,356
4,844,638
15,747,326
206,957,950
37,578,442
312,874,212
21,521,550
2,238,182
20,568,064
83,784,536
141,230,362
21,388,480
16,783,638
124,446,724
6,995,784
53,319,372
7,309,686
40,437,271
8,464,894
(41,592,479)
6,353,079
150,687,274
1,335,493
42,361,934
99,169,373
7,820,474
164,350,039
8,836,449
2,951,479
6,429,166
51,789,035
98,344,554
34,711,468
23,778,539
74,566,015
2,718,975
17,058,920
14,565,027
4,228,716
10,336,311
1,563,809
8,772,502
3,687,239
5,099,562
5,072,060
7,360,179
5,709,457
22,530,080
6,338,119
16,191,961
6,052,957
10,139,004
6,112,711
12,160,481
12,081,963
4,091,234
2,764,069
23,307,442
6,888,900
16,418,542
9,316,038
7,102,504
6,611,470
12,620,994
12,424,711
1,092,980
677,132
26,653,240
10,369,328
16,283,912
9,418,308
6,865,604
6,883,241
12,482,566
12,244,352
1,266,279
669,365
16,482,080
13,533,160
2,948,920
10,050,404
(7,101,484)
1,715,352
7,235,425
6,955,148
(12,621,557)
(10,112,114)
3,871,585
0.00%
0.00%
(3,174,000)
134,361,727
3,971,585
0.00%
0.00%
9,247,515
183,669,089
3,871,585
0.00%
0.00%
(12,894,580)
121,947,090
3,871,585
0.00%
0.00%
46,571,729
150,649,399
4,043,727
0.00%
0.00%
(18,017,973)
152,511,924

E.Other items
2.Cash dividend

70.97%
4.20%
0.14
2.32%
1.50%
3.56%
29.03%
0.69
27.94%
1.38
1.47
71.87%
6.34%
0.06
1.08%
2.39%
3.97%
28.13%
2.95
42.46%
1.98
0.70
70.44%
6.20%
0.02
0.26%
2.50%
2.68%
29.56%
11.37
42.18%
1.88
0.17
61.10%
5.20%
0.01
0.21%
2.20%
2.19%
38.90%
9.67
37.22%
1.78
0.17
17.89%
1.79%
-1.38
-6.15%
1.04%
-4.32%
82.11%
-0.55
39.76%
4.05
-2.50
10.69%
14.06%
52.37%
63.69%
83.67%
88.26%
77.38%
10.93%
15.93%
46.78%
69.33%
83.15%
73.99%
71.33%
9.07%
11.18%
47.47%
65.96%
83.84%
78.90%
75.15%
7.59%
26.78%
39.78%
66.15%
84.74%
68.24%
63.42%
7.17%
31.51%
45.37%
60.34%
91.69%
99.17%
69.49%
6.08%
8.00%
12.01%
15.14%
20.76%
16.55%
112.23%
24.21%
52.41%
110.06%
37.57%
76.90%
73.27%
47.89%
56.12%
78.47%
35.30%
24.18%
474.87%
42.27%
68.50%
16.47%
3.31
10.48
3.87
16.96%
4.24
10.91
4.09
16.63%
2.77
11.37
3.97
14.28%
3.37
11.54
4.63
4.45%
20.86
1.81
13.57
-0.56
3.35
69.58
1.78
G.Liquidity ratios



J.Cash flow ratio

56
-19.04
SUMMIT BANK
Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,093,974
3,000,000
18,795
75,179
(21,198)
2,623,603
3,899
0
2,526,271
93,433
5,696,379
228,374
645,650
1,079,286
1,730,868
1,564,608
140,215
140,239
1,424,369
385,074
202,758
6,324,139
4,500,000
1,631,395
192,744
(22,563)
11,819,210
384,179
1,748,603
9,464,785
221,643
18,120,786
753,845
52,551
2,855,582
5,408,425
8,157,709
128,461
128,461
8,029,248
597,515
423,620
6,132,731
5,000,000
1,314,828
(182,097)
(312,611)
18,982,697
75,963
1,869,940
16,616,466
420,328
24,802,817
1,349,649
65,580
200,000
5,094,613
16,510,341
751,663
751,663
15,758,678
927,882
1,406,415
4,065,941
5,000,000
1,064,828
(1,998,887)
(11,541)
34,118,975
213,209
1,554,801
31,307,488
1,043,477
38,173,375
1,923,526
724,802
1,433,817
12,446,033
21,072,058
2,568,243
2,568,243
18,503,815
1,570,754
1,570,628
3,743,244
5,000,000
1,064,828
(2,321,584)
(152,056)
46,300,442
154,327
2,835,847
42,294,961
1,015,307
49,891,630
2,575,503
315,450
3,463,634
16,483,335
25,856,086
5,307,244
3,050,547
22,805,539
1,701,487
2,546,682
142,802
23,309
119,493
0
119,469
21,214
90,654
90,441
50,029
93,974
617,854
252,338
365,516
0
365,516
345,904
384,502
383,529
326,918
230,165
2,471,982
1,585,875
886,107
623,202
262,905
166,780
776,959
774,742
(347,274)
(191,408)
3,514,363
2,877,797
636,566
2,040,787
(1,404,221)
1,208,532
1,077,054
1,064,723
(2,285,586)
(2,066,790)
4,572,710
3,677,280
895,430
699,254
196,176
512,869
1,258,521
1,249,094
(549,476)
(322,697)
300,000
0.00%
0.00%
(342,837)
266,470
450,000
0.00%
0.00%
768,996
2,387,362
500,000
0.00%
0.00%
1,156,154
25,857,630
500,000
0.00%
0.00%
8,975,769
35,826,776
500,000
0.00%
0.00%
5,066,139
29,054,827
83.68%
2.10%
0.03
1.65%
0.37%
2.10%
16.32%
1.81
55.27%
4.26
0.31
59.16%
2.02%
0.04
1.27%
1.91%
2.02%
40.84%
1.17
39.90%
1.11
0.51
35.85%
3.57%
-0.03
-0.77%
0.67%
1.06%
64.15%
-2.23
29.44%
4.65
-0.38
18.11%
1.67%
-0.51
-5.41%
3.17%
-3.68%
81.89%
-0.47
22.80%
0.88
-4.13
19.58%
1.79%
-0.09
-0.65%
1.03%
0.39%
80.42%
-2.27
24.75%
2.44
-0.65
15.34%
30.39%
25.00%
44.35%
46.06%
61.93%
61.93%
4.45%
29.85%
44.31%
52.23%
65.22%
86.19%
72.75%
5.71%
20.54%
63.54%
66.99%
76.53%
99.36%
89.31%
6.94%
32.60%
48.47%
82.01%
89.38%
67.31%
64.12%
5.79%
33.04%
45.71%
84.77%
92.80%
61.13%
57.29%
8.96%
1.57%
4.55%
12.19%
4.53%
0.00%
100.02%
2.03%
0.00%
100.00%
12.26%
82.91%
100.00%
63.16%
79.46%
100.00%
20.53%
11.80%
141.78%
22.92%
57.48%
54.31%
0.09
10.31
0.82
34.90%
0.38
14.05
1.50
24.73%
4.22
12.27
2.71
10.65%
8.81
8.13
7.70
7.50%
7.76
7.49
11.30
-3.65
3.34
-6.04
-4.34

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

57
-15.70
UNITED BANK LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
27,203,726
6,475,000
8,298,873
12,429,853
2,659,661
393,402,486
4,560,649
38,490,586
335,077,873
15,273,378
423,265,873
48,939,840
14,034,476
29,572,070
67,260,338
244,654,068
16,255,409
1,416,249
243,237,819
5,234,463
14,986,867
34,009,411
8,093,750
10,261,958
15,653,703
8,411,993
487,862,552
6,079,341
59,103,350
401,637,816
21,042,045
530,283,956
57,526,451
4,191,128
24,781,723
115,585,646
294,725,035
22,012,411
1,352,028
293,373,007
16,918,844
17,907,157
45,076,576
10,117,188
17,256,061
17,703,327
4,319,088
571,311,725
5,210,870
44,749,690
492,267,898
29,083,267
620,707,389
50,143,570
14,540,306
22,805,341
115,057,090
397,736,446
28,552,722
19,791,080
377,945,366
19,926,915
20,288,801
55,914,736
11,128,907
21,167,954
23,617,875
11,403,627
573,131,166
5,166,361
37,168,277
503,831,672
26,964,856
640,449,529
61,252,772
14,049,990
23,162,130
137,734,578
390,493,953
40,065,237
28,414,357
362,079,596
23,734,082
18,436,381
60,180,924
12,241,798
21,688,637
26,250,489
8,234,141
630,369,914
5,045,815
45,104,849
550,645,767
29,573,483
698,784,979
67,461,668
18,192,142
12,384,778
224,578,556
368,691,940
48,592,560
34,959,768
333,732,172
22,424,072
20,011,591
32,991,603
12,126,809
20,864,794
2,316,858
18,547,936
6,948,388
11,204,568
10,952,275
14,291,756
7,350,813
41,045,543
16,936,187
24,109,356
6,422,046
17,687,310
8,992,351
13,674,688
13,420,977
13,004,973
12,429,853
52,763,249
24,247,281
28,515,968
7,753,688
20,762,280
11,199,152
17,780,935
16,679,968
14,052,051
8,445,251
61,495,472
28,323,272
33,172,200
12,879,215
20,292,985
12,320,490
18,911,237
17,803,338
17,803,338
9,487,952
59,331,761
25,223,253
34,108,508
8,004,700
26,103,808
10,120,632
18,482,222
17,765,056
17,742,218
11,159,930
647,500
0.30%
0.25%
22,896,863
285,899,840
809,375
0.30%
0.25%
49,886,356
423,297,850
1,011,718
25.00%
10.00%
1,025,033
48,668,314
1,112,891
25.00%
10.00%
26,774,872
450,962,490
1,224,180
0.50%
0.00%
100,070,348
540,248,817
63.24%
4.93%
0.27
1.74%
1.64%
4.38%
36.76%
0.77
28.05%
1.58
11.35
58.74%
4.55%
0.37
2.34%
1.70%
3.34%
41.26%
1.03
27.33%
1.49
15.36
54.05%
4.59%
0.19
1.36%
1.80%
3.34%
45.95%
1.19
27.80%
1.49
8.35
53.94%
5.18%
0.17
1.48%
1.92%
3.17%
46.06%
1.00
25.62%
1.45
8.53
57.49%
4.88%
0.19
1.60%
1.45%
3.74%
42.51%
1.00
26.61%
1.76
9.12
14.88%
15.89%
57.47%
79.16%
92.94%
73.01%
65.49%
11.64%
21.80%
55.32%
75.74%
92.00%
73.38%
63.97%
10.42%
18.54%
60.89%
79.31%
92.04%
80.80%
74.06%
11.76%
21.51%
56.54%
78.67%
89.49%
77.50%
72.18%
12.26%
32.14%
47.76%
78.80%
90.21%
66.96%
61.89%
6.64%
7.47%
7.18%
10.26%
59.75%
163.59%
8.71%
64.72%
474.99%
6.14%
63.34%
39.18%
69.31%
71.65%
45.33%
70.92%
13.18%
9.48%
80.74%
22.90%
71.94%
6.43%
10.51
42.01
12.32
6.41%
12.45
42.02
11.81
7.26%
1.08
44.55
10.92
8.73%
8.07
50.24
9.01
8.61%
8.98
49.16
9.15
3.11
4.01
0.12
2.82
8.97

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

58
Specialized Banks - Overall

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
(11,244,089)
14,452,145
1,624,440
(27,320,674)
1,033,708
129,176,783
351,141
86,438,681
13,491,261
28,895,700
118,966,402
2,310,931
14,541,439
292,454
16,481,394
94,458,564
36,226,936
23,841,158
70,617,406
2,390,171
12,332,607
(9,964,857)
14,849,470
1,886,642
(26,700,969)
3,045,550
133,987,153
497,582
87,339,121
14,320,029
31,830,421
127,067,846
3,363,036
17,720,977
1,883,944
15,826,210
94,973,890
31,305,432
22,332,219
72,641,671
3,710,874
11,921,134
(7,631,049)
15,506,103
2,438,371
(25,575,523)
3,494,010
134,345,948
755,721
83,318,134
13,883,492
36,388,601
130,208,909
2,840,235
18,315,949
700,000
12,046,115
101,188,798
22,710,747
21,074,895
80,113,903
5,106,662
11,086,045
(8,436,252)
15,506,595
2,444,970
(26,387,817)
3,565,578
133,061,761
750,837
82,934,281
13,262,294
36,114,349
128,191,087
2,732,040
18,131,059
514,714
11,524,380
100,081,783
28,925,611
20,781,413
79,300,370
5,078,461
10,910,063
(6,371,796)
15,507,008
4,841,036
(26,719,840)
3,674,643
131,479,147
689,377
80,334,191
14,784,898
35,670,681
128,781,994
2,924,921
17,788,668
108,802
11,663,468
99,264,204
28,197,740
20,941,782
78,322,422
5,078,338
12,895,375
8,274,247
4,173,228
4,101,019
3,020,615
307,052
5,675,526
6,743,044
3,992,920
(913,653)
(1,071,428)
9,690,208
4,994,988
4,695,220
4,569,978
1,199,164
6,257,647
5,740,669
5,842,387
1,575,373
883,295
10,686,103
5,110,072
5,576,031
1,333,576
3,031,251
6,363,253
6,819,291
5,844,945
4,161,233
2,322,667
10,856,251
6,198,446
4,657,765
1,769,606
2,888,199
6,309,346
6,264,771
6,569,464
3,202,206
1,801,533
10,943,847
5,404,472
5,589,375
2,273,308
3,446,595
6,404,308
6,273,966
5,925,334
3,631,567
2,274,634
1,392,786
1,432,084
1,511,536
1,511,541
1,497,415
N/A
N/A
(1,635,229)
11,979,299
N/A
N/A
4,550,941
10,453,817
N/A
N/A
(2,141,072)
23,033,910
N/A
N/A
724,925
26,032,331
N/A
N/A
(945,613)
14,460,252
49.56%
3.45%
0.10
-0.90%
4.77%
0.26%
50.44%
-4.37
48.34%
0.70
-0.77
48.45%
3.70%
-0.09
0.70%
4.92%
0.94%
51.55%
3.71
36.00%
0.93
0.62
52.18%
4.28%
-0.30
1.78%
4.89%
2.33%
47.82%
1.40
40.00%
0.92
1.54
42.90%
3.63%
-0.21
1.41%
4.92%
2.25%
57.10%
2.05
36.50%
1.04
1.19
51.07%
4.30%
-0.36
1.77%
4.97%
2.68%
49.38%
1.63
36.17%
0.93
1.52
14.17%
13.85%
59.36%
11.34%
108.58%
700.15%
94.52%
16.59%
12.45%
57.17%
11.27%
105.45%
663.22%
93.42%
16.25%
9.25%
61.53%
10.66%
103.18%
728.84%
104.10%
16.27%
8.99%
61.86%
10.35%
103.80%
754.63%
104.04%
16.08%
9.06%
60.82%
11.48%
102.09%
671.39%
104.36%
38.35%
32.96%
22.44%
28.90%
-322.19%
12.67%
65.81%
-314.16%
20.46%
71.34%
-297.61%
6.33%
92.80%
-342.87%
8.52%
71.84%
28.41%
21.10%
-442.54%
10.86%
74.27%
-9.45%
-1.07
-8.07
-1.20
-7.84%
-1.05
-6.96
-1.44
-5.86%
-3.02
-5.05
-1.82
-6.58%
-3.09
-5.58
-1.57
-4.95%
-2.27
-4.26
-2.32
1.53
5.15
-0.92
0.40
-0.42

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

59
INDUSTRIAL DEV. BANK OF PAKISTAN

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
(27,672,905)
157,000
750,548
(28,580,453)
(362,242)
36,167,971
36,041
20,581,468
7,285,504
8,264,958
8,132,824
293,520
21,161
0
4,873,437
8,166,307
6,918,032
6,918,032
1,248,275
126,444
1,569,987
(28,071,247)
157,000
750,548
(28,978,795)
(48,313)
37,544,275
24,761
22,681,908
6,110,553
8,727,053
9,424,715
257,632
26,918
1,625,000
4,705,838
7,217,511
5,636,648
6,017,014
1,200,497
127,711
1,481,119
(27,942,705)
157,000
750,548
(28,850,253)
(252,683)
35,440,978
29,471
22,542,821
4,637,119
8,231,567
7,245,590
212,428
30,513
600,000
4,036,610
6,492,401
0
6,367,623
124,778
125,120
2,116,141
(27,804,610)
157,000
750,548
(28,712,158)
(365,817)
33,978,550
38,612
22,305,318
3,796,797
7,837,823
5,808,123
183,885
50,313
481,269
3,178,546
6,411,877
6,283,508
6,269,695
142,182
120,568
1,651,360
(27,709,145)
157,000
750,548
(28,616,693)
(254,642)
33,121,740
13,717
22,466,356
3,313,563
7,328,104
5,157,953
150,299
64,681
108,802
3,015,974
6,266,499
6,158,107
6,158,107
108,392
123,390
1,586,415
282,605
662,873
(380,268)
(619,345)
(999,613)
75,490
876,572
166,092
(1,800,695)
(1,802,998)
552,443
649,811
(97,368)
399,436
302,068
114,896
812,651
987,141
(395,687)
(398,342)
441,814
616,701
(174,887)
(605,602)
(780,489)
160,487
793,010
158,076
173,008
128,542
404,055
689,973
(285,958)
(159,224)
(126,694)
422,828
155,888
180,890
140,246
138,095
284,378
587,511
(253,133)
65,264
(187,869)
477,293
192,004
196,798
97,420
95,465
1,570
0.00%
0.00%
1,809,230
212,555
1,570
0.00%
0.00%
(528,738)
199,336
15,700
0.00%
0.00%
(549,050)
139,219
15,700
0.00%
0.00%
(756,259)
145,208
1,570
0.00%
0.00%
(280,827)
141,970
-134.56%
-4.68%
0.07
-22.17%
0.93%
-12.29%
234.56%
-0.09
244.79%
2.20
-1,148.41
-17.62%
-1.03%
0.01
-4.23%
1.22%
3.21%
117.62%
-2.49
121.77%
8.59
-253.72
-39.58%
-2.41%
0.00
1.77%
2.21%
-10.77%
139.58%
0.91
131.66%
0.98
8.19
-70.77%
-4.92%
0.00
2.38%
7.28%
-2.18%
170.76%
1.29
18.85%
0.43
8.80
-89.01%
-5.88%
0.00
1.85%
9.25%
-3.64%
206.60%
2.02
25.21%
0.41
60.81
3.87%
59.92%
15.35%
89.58%
444.72%
112.09%
29.30%
3.02%
49.93%
12.74%
64.84%
398.36%
118.12%
25.07%
3.35%
55.71%
1.72%
64.00%
489.14%
140.01%
23.89%
4.03%
54.73%
2.45%
65.37%
585.02%
168.88%
24.56%
4.17%
58.47%
2.10%
64.24%
642.15%
189.12%
24.31%
84.71%
78.10%
0.00%
98.00%
-25.00%
-8.95%
100.00%
-20.08%
6.64%
106.75%
0.00%
-9.51%
-22.60%
-2.54%
99.78%
98.27%
98.27%
-22.22%
1.06%
100.00%
-340.26%
-0.01
-17,626.05
-0.26
-297.85%
-0.01
-17,879.78
-0.22
-385.65%
0.00
-1,779.79
-0.17
-478.72%
-0.01
-1,770.99
-0.14
-537.21%
-0.01
-17,649.14
-0.12
-1.00
1.33
-4.27
-5.48
-2.94

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

60
THE PUNJAB PROVINCIAL COOPERATIVE BANK

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
801,741
425,533
337,269
38,939
1,131,398
13,801,243
20,677
12,000,000
1,657,013
123,553
15,734,382
409,993
6,511,008
0
506,876
7,867,351
3,085,018
1,068,548
6,798,803
1,288,477
219,225
934,954
430,351
370,827
133,776
2,489,021
14,232,922
39,654
12,000,000
2,007,645
185,623
17,656,897
715,017
5,586,775
0
558,009
9,453,735
3,254,376
1,443,914
8,009,821
2,571,139
216,136
1,066,511
434,155
402,298
230,058
3,654,089
10,113,896
75,186
8,000,000
1,929,185
109,525
14,834,496
695,200
2,230,225
0
508,762
8,983,220
4,228,634
1,443,914
7,539,306
3,712,774
148,229
87,361
434,647
401,727
(749,013)
3,608,391
10,016,170
44,305
8,000,000
1,837,175
134,690
13,711,922
601,882
2,017,990
0
451,012
8,177,689
4,113,247
1,443,914
6,733,775
3,705,253
202,010
2,304,214
435,060
2,797,793
(928,639)
3,586,269
9,355,390
21,777
5,250,000
3,820,343
263,270
15,245,873
814,147
1,709,436
0
799,673
7,385,647
3,430,614
1,605,894
5,779,753
3,700,872
2,441,992
1,029,645
253,508
776,137
157,609
618,528
50,145
512,610
512,511
156,063
155,033
1,228,805
547,198
681,607
375,366
306,241
374,777
550,754
550,203
130,264
129,783
984,869
618,581
366,288
3,551
362,737
355,393
596,544
596,293
121,586
120,416
1,193,637
1,570,956
(377,319)
0
(377,319)
77,394
679,146
678,896
(979,071)
(979,071)
1,553,750
965,655
588,095
158,452
429,643
76,830
681,299
680,681
(174,826)
(179,626)
4,255
0.00%
0.00%
2,744,207
7,066
4,303
0.00%
0.00%
(939,551)
30,198
4,342
0.00%
0.00%
(3,725,168)
9,031,919
4,346
0.00%
0.00%
(321,956)
11,586,667
4,351
0.00%
0.00%
(2,135,260)
241,483
75.38%
4.93%
0.19
0.99%
0.32%
3.93%
24.62%
3.28
47.47%
10.22
36.44
55.47%
3.86%
0.14
0.74%
2.12%
1.73%
44.53%
4.22
34.35%
1.47
30.16
37.19%
2.47%
0.11
0.81%
2.40%
2.45%
62.81%
4.90
44.51%
1.68
27.74
-31.61%
-2.75%
-11.21
-7.14%
0.56%
-2.75%
131.61%
-0.69
53.43%
8.77
-225.26
37.85%
3.86%
-0.08
-1.18%
0.50%
2.82%
62.15%
-3.89
41.78%
8.86
-41.29
43.99%
3.22%
43.21%
10.53%
87.71%
474.79%
57.61%
35.69%
3.16%
45.36%
11.37%
80.61%
470.89%
67.49%
19.72%
3.43%
50.82%
13.00%
68.18%
465.65%
90.47%
19.11%
3.29%
49.11%
13.40%
73.05%
445.12%
83.13%
16.55%
5.25%
37.91%
25.06%
61.36%
193.32%
81.43%
39.21%
34.42%
47.07%
50.30%
384.79%
14.75%
34.64%
348.08%
26.00%
44.37%
396.49%
0.25%
34.15%
4,708.33%
0.00%
35.10%
46.45%
21.74%
148.88%
9.87%
46.81%
5.10%
0.01
188.42
2.07
5.30%
0.03
217.28
2.15
7.19%
8.47
245.65
1.81
0.64%
132.63
20.10
21.03
15.11%
0.10
529.63
1.66
17.70
-7.24
-30.94
0.33
11.89

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

61
SME BANK LTD.

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,386,371
2,000,000
177,275
209,096
(98,459)
7,336,966
18,090
2,600,000
1,666,360
3,052,516
9,624,878
311,954
125,704
292,454
5,566,582
7,808,969
6,119,396
6,077,698
1,731,271
156,384
1,440,529
2,889,281
2,392,507
199,356
297,418
(80,674)
3,775,151
40,441
1,400,000
1,879,587
455,123
6,583,758
286,705
52,980
258,944
3,058,130
7,762,218
5,706,118
5,643,871
2,118,347
144,589
664,063
2,356,333
2,392,507
199,356
(235,530)
(401,844)
3,802,521
37,686
1,518,100
1,892,018
354,717
5,757,010
200,112
49,751
100,000
2,545,053
7,942,929
5,496,498
5,416,607
2,526,322
124,546
211,226
2,392,185
2,392,507
206,526
(206,848)
(171,444)
4,078,488
54,542
1,371,750
2,203,152
449,044
6,299,229
213,778
57,296
33,445
2,939,132
7,721,969
5,543,241
5,221,053
2,500,916
108,418
446,244
2,144,323
2,392,507
206,526
(454,710)
(151,432)
4,013,464
40,505
1,360,622
2,225,822
386,515
6,006,355
227,980
9,091
0
2,892,131
7,841,810
5,623,404
5,331,030
2,510,780
109,854
256,519
960,293
454,062
506,231
232,669
738,900
26,810
534,025
553,867
78,498
153,187
875,560
379,956
495,604
137,525
633,129
40,338
521,373
526,464
41,691
110,403
774,797
385,379
389,418
11,368
378,050
58,647
568,691
570,101
(131,994)
(532,948)
773,936
448,106
325,830
4,571
321,259
20,398
568,691
1,189,203
42,398
35,852
621,096
361,895
259,201
125,333
133,868
61,459
539,617
527,380
(289,660)
(247,862)
200,000
0.00%
0.00%
1,231,254
3,524,588
239,250
0.00%
0.00%
(780,948)
2,479,894
239,251
0.00%
0.00%
550,566
2,550,866
239,251
0.00%
0.00%
220,560
2,988,550
239,251
0.00%
0.00%
(112,106)
2,764,893
52.72%
5.26%
0.06
1.59%
0.28%
7.68%
47.28%
7.06
54.10%
20.66
0.77
56.60%
7.53%
0.04
1.68%
0.61%
9.62%
43.40%
12.63
56.92%
13.05
0.46
50.26%
6.76%
-0.23
-9.26%
1.02%
6.57%
49.74%
-4.32
68.23%
9.72
-2.23
42.10%
5.17%
0.01
0.57%
0.32%
5.10%
57.90%
28.05
71.59%
58.30
0.15
41.73%
4.32%
-0.12
-4.13%
1.02%
2.23%
58.27%
-1.82
79.06%
8.58
-1.04
4.55%
57.84%
17.99%
17.31%
76.23%
468.62%
183.04%
5.16%
46.45%
32.18%
28.55%
57.34%
412.97%
236.68%
4.34%
44.21%
43.88%
32.86%
66.05%
419.81%
232.92%
4.30%
46.66%
39.70%
34.97%
64.75%
350.50%
216.01%
3.95%
48.15%
41.80%
37.06%
66.82%
352.31%
218.65%
78.36%
73.51%
69.20%
71.79%
256.43%
3.83%
99.32%
197.49%
2.44%
98.91%
233.26%
0.21%
98.55%
231.72%
0.09%
94.19%
71.71%
67.98%
262.25%
2.35%
94.80%
24.79%
1.48
11.93
0.70
43.88%
0.86
12.08
0.65
40.93%
1.08
9.85
0.80
37.98%
1.25
10.00
0.92
35.70%
1.29
8.96
1.04
8.04
-7.07
-1.03
6.15
0.45

E.Other items
2.Cash dividend

G.Liquidity ratios



J.Cash flow ratio

62
ZARAI TARAQIATI BANK LTD. (ZTBL)

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
13,240,704
11,869,612
359,348
1,011,744
363,011
71,870,603
276,333
51,257,213
2,882,384
17,454,673
85,474,318
1,295,464
7,883,566
0
5,534,499
70,615,937
20,104,490
9,776,880
60,839,057
818,866
9,102,866
14,282,155
11,869,612
565,911
1,846,632
685,516
78,434,805
392,726
51,257,213
4,322,244
22,462,622
93,402,476
2,103,682
12,054,304
0
7,504,233
70,540,426
16,708,290
9,227,420
61,313,006
867,435
9,559,816
16,888,812
12,522,441
1,086,169
3,280,202
494,448
84,988,553
613,378
51,257,213
5,425,170
27,692,792
102,371,813
1,732,495
16,005,460
0
4,955,690
77,770,248
12,985,615
7,846,751
69,923,497
1,144,222
8,610,449
16,888,812
12,522,441
1,086,169
3,280,202
494,448
84,988,553
613,378
51,257,213
5,425,170
27,692,792
102,371,813
1,732,495
16,005,460
0
4,955,690
77,770,248
12,985,615
7,846,751
69,923,497
1,144,222
8,610,449
16,888,812
12,522,441
1,086,169
3,280,202
494,448
84,988,553
613,378
51,257,213
5,425,170
27,692,792
102,371,813
1,732,495
16,005,460
0
4,955,690
77,770,248
12,985,615
7,846,751
69,923,497
1,144,222
8,610,449
6,001,704
2,802,785
3,198,919
3,249,682
(50,763)
5,523,081
4,819,837
2,760,450
652,481
423,350
7,033,400
3,418,023
3,615,377
3,657,651
(42,274)
5,727,636
3,855,891
3,778,579
1,799,105
1,041,451
8,484,623
3,489,411
4,995,212
1,924,259
3,070,953
5,788,726
4,861,046
4,520,475
3,998,633
2,606,657
8,484,623
3,489,411
4,995,212
1,924,259
3,070,953
5,788,726
4,861,046
4,520,475
3,998,633
2,606,657
8,484,623
3,489,411
4,995,212
1,924,259
3,070,953
5,788,726
4,861,046
4,520,475
3,998,633
2,606,657
1,186,961
0.00%
0.00%
(7,419,920)
8,235,090
1,186,961
0.00%
0.00%
6,800,178
7,744,389
1,252,244
0.00%
0.00%
1,582,580
11,311,906
1,252,244
0.00%
0.00%
1,582,580
11,311,906
1,252,244
0.00%
0.00%
1,582,580
11,311,906

E.Other items
2.Cash dividend

53.30%
3.74%
0.03
0.50%
6.46%
-0.06%
46.70%
4.23
41.82%
0.50
0.36
51.40%
3.87%
0.07
1.12%
6.13%
-0.05%
48.60%
2.10
30.22%
0.66
0.88
58.87%
4.88%
0.15
2.55%
5.65%
3.00%
41.13%
1.13
34.06%
0.78
2.08
58.87%
4.88%
0.15
2.55%
5.65%
3.00%
41.13%
1.13
34.06%
0.78
2.08
58.87%
4.88%
0.15
2.55%
5.65%
3.00%
41.13%
1.13
34.06%
0.78
2.08
10.74%
6.48%
71.18%
3.37%
84.08%
2,449.91%
130.43%
15.16%
8.03%
65.64%
4.63%
83.98%
1,632.03%
126.92%
17.33%
4.84%
68.30%
5.30%
83.02%
1,433.51%
137.20%
17.33%
4.84%
68.30%
5.30%
83.02%
1,433.51%
137.20%
17.33%
4.84%
68.30%
5.30%
83.02%
1,433.51%
137.20%
28.47%
23.69%
16.70%
16.70%
151.84%
33.24%
48.63%
116.99%
39.64%
55.23%
76.89%
24.52%
60.43%
76.89%
24.52%
60.43%
16.70%
10.09%
76.89%
24.52%
60.43%
15.49%
0.62
11.16
0.22
15.29%
0.54
12.03
0.30
16.50%
0.67
13.49
0.32
16.50%
0.67
13.49
0.32
16.50%
0.67
13.49
0.32
6.53
0.61
0.61
0.61
G.Liquidity ratios



J.Cash flow ratio

-17.53
63
Foreign Banks - Overall

Items
1.Head office capital account
2.Reserves
3.Unremitted profit
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
26,534,686
20,208,238
2,983,628
3,342,820
(132,000)
249,704,501
3,162,779
44,581,971
190,166,999
11,792,752
276,107,187
33,824,051
12,002,679
15,654,228
50,069,094
155,339,954
4,259,035
2,992,258
152,347,696
4,181,203
8,028,236
19,419,964
17,085,491
0
2,334,473
(59,198)
153,332,311
3,746,900
19,465,228
117,101,206
13,018,977
172,693,077
23,923,775
5,297,596
16,408,831
26,427,145
90,666,390
1,177,223
2,211,458
88,454,932
1,967,593
10,213,205
34,504,276
32,130,320
75,785
2,298,171
(532,853)
200,590,252
4,423,404
17,346,929
147,938,165
30,881,754
234,561,675
34,935,292
18,369,224
29,913,984
22,592,924
104,440,711
3,136,262
2,519,229
101,921,482
3,697,504
23,131,265
35,848,774
34,884,218
92,715
871,841
(109,477)
205,297,310
3,597,659
16,730,580
160,936,430
24,032,641
241,036,607
34,793,226
16,269,846
32,117,954
52,372,610
95,113,870
6,390,991
4,788,386
90,325,484
3,589,490
11,567,997
54,392,259
52,615,032
845,383
931,844
13,706,846
337,606,637
7,668,000
31,772,639
272,154,220
26,011,778
405,705,742
39,750,187
5,410,669
41,123,279
120,308,537
163,587,997
22,296,572
16,277,538
147,310,459
33,000,271
18,802,340
23,097,809
11,101,335
11,996,474
1,843,528
5,950,416
6,030,824
9,347,974
9,294,964
6,849,600
4,770,208
15,246,222
8,144,883
7,101,339
2,739,112
4,362,227
4,922,361
6,776,950
5,854,906
2,507,638
1,759,748
18,232,589
9,098,668
9,133,921
4,568,218
4,609,161
5,772,095
10,374,744
10,318,250
6,512
650,623
22,263,026
12,197,135
10,065,891
4,727,009
5,340,538
5,608,678
12,054,031
11,898,100
(850,572)
(809,378)
27,346,830
10,011,575
11,907,673
4,094,123
7,813,550
5,424,372
11,484,587
11,303,962
1,512,840
1,020,336
11,584,914
389,680,963
(834,422)
512,987,891
32,730,565
400,482,828
55,063,671
389,092,022
20,657,574
500,091,323
51.94%
4.34%
17.98%
1.73%
2.18%
2.16%
48.06%
1.36
32.09%
1.54
46.58%
4.11%
9.06%
1.02%
2.85%
2.53%
53.42%
2.33
33.60%
1.19
50.10%
3.89%
1.89%
0.28%
2.46%
1.97%
49.90%
1,584.50
43.22%
1.79
45.21%
4.18%
-2.26%
-0.34%
2.33%
2.22%
54.79%
-13.99
43.25%
2.12
43.54%
4.27%
1.88%
0.25%
1.34%
1.93%
36.61%
7.47
35.04%
2.08
16.60%
18.13%
55.18%
68.87%
90.44%
81.69%
66.17%
16.92%
15.30%
51.22%
67.81%
88.79%
77.43%
66.39%
22.73%
9.63%
43.45%
63.07%
85.52%
70.60%
63.19%
21.18%
21.73%
37.47%
66.77%
85.17%
59.10%
53.53%
11.13%
29.65%
36.31%
67.08%
83.21%
60.11%
53.82%
2.74%
1.93%
16.05%
61.61%
70.26%
1.30%
2.44%
6.06%
123.86%
187.85%
3.00%
2.41%
9.09%
181.33%
80.33%
6.72%
5.03%
17.83%
98.72%
74.92%
13.63%
9.95%
40.99%
25.15%
73.00%
9.61%
14.69
7.17
11.25%
26.42
6.03
14.71%
11.61
4.29
14.87%
10.85
4.49
13.41%
9.19
5.00
2.43
-0.47
50.31

E.Other items
2.Commitments and contingencies
F.Efficiency ratios/Profitability ratios

6.Net markup/Interest income (after prov.) to total assets(D5/C)
8.Admin expense to profit before tax.(D8/D9) (times)
10.Admin. exp. to non-markup/interest income (D8/D6) (times)
G.Liquidity ratios
3.Advances net of provision to total assets (C8/C)
4.Deposits to total assets ( B3/C)
6.Gross advances to deposit (C5/B3)

I.Capital/leverage ratios
J.Cash flow ratio

64
-68.03
20.25
BARCLAYS BANK PLC

Items
2.Reserves
3.Unremitted profit
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
6,330,486
7,139,900
0
(809,414)
1,507
18,272,040
256,590
2,476,155
14,557,453
981,842
24,604,033
1,609,550
392,032
1,485,808
9,332,849
9,713,315
0
33,841
9,679,474
1,381,260
723,060
6,840,022
9,320,564
0
(2,480,542)
5,578
35,697,127
317,339
2,988,707
29,920,456
2,470,625
42,542,727
2,434,134
1,517,901
5,857,743
11,625,172
18,228,753
931,048
194,968
18,033,785
1,451,343
1,622,649
6,476,901
9,756,756
0
(3,279,855)
(8,849)
41,812,643
402,249
7,193,234
32,301,878
1,915,282
48,280,695
2,912,164
2,189,397
1,646,369
21,014,371
17,897,052
612,471
460,193
17,436,859
928,091
2,153,444
832,665
335,338
497,327
33,841
463,486
28,515
1,700,415
1,700,315
(1,208,414)
(809,414)
3,336,395
2,000,062
1,336,333
161,127
1,175,206
72,953
3,976,964
3,975,517
(2,343,683)
(1,671,128)
4,391,663
2,756,649
1,635,014
268,149
1,366,865
359,985
2,486,406
2,484,133
(1,224,843)
(425,530)
5,675,244
2,475,663
2,554,422
8,426,357
10,264,246
9,490,085
59.73%
2.02%
-12.79%
-3.29%
0.12%
1.88%
40.27%
-1.41
197.45%
59.63
40.05%
3.14%
-24.43%
-3.93%
0.17%
2.76%
59.95%
-1.70
116.65%
54.49
37.23%
3.39%
-6.57%
-0.88%
0.75%
2.83%
62.77%
-2.03
52.33%
6.90
8.14%
37.93%
39.34%
59.17%
74.26%
66.72%
57.02%
9.29%
27.33%
42.39%
70.33%
83.91%
60.92%
55.39%
10.57%
43.53%
36.12%
66.90%
86.60%
55.41%
45.31%
0.00%
0.35%
0.00%
100.00%
5.11%
1.07%
13.61%
82.64%
20.94%
3.42%
2.57%
9.46%
58.27%
75.14%
25.73%
0.39
2.30
16.08%
1.23
4.37
13.42%
1.47
4.99
-7.01
-1.53
-24.12

E.Other items

G.Liquidity ratios

J.Cash flow ratio

65
CITI BANK N. A.
Items
2.Reserves
3.Unremitted profit
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
6,069,075
3,794,244
0
2,274,831
(40,569)
85,259,113
1,212,275
15,409,454
63,103,884
5,533,500
91,287,619
5,881,934
539,516
6,267,405
21,937,387
52,723,216
571,935
1,433,945
51,289,271
1,186,499
4,185,607
6,379,282
5,443,260
0
936,022
(53,371)
86,142,940
2,120,612
5,977,312
68,627,815
9,417,201
92,468,851
7,799,117
192,370
4,530,449
21,276,196
50,912,294
1,044,729
1,844,083
49,068,211
1,420,645
8,181,863
9,507,730
7,742,345
75,785
1,689,600
(494,658)
92,638,755
1,660,227
3,152,988
65,484,768
22,340,772
101,651,827
10,583,830
7,358,861
14,166,060
9,194,307
43,635,814
1,955,724
1,779,065
41,856,749
1,474,167
17,017,853
8,652,136
6,780,848
92,715
1,778,573
(126,721)
81,255,385
1,654,759
5,561,411
58,147,204
15,892,011
89,780,800
7,706,034
2,735,953
10,155,661
33,122,217
31,204,853
3,158,076
2,959,824
28,245,029
1,266,456
6,549,450
9,139,755
6,812,671
125,573
2,201,511
(274,283)
88,488,440
1,164,263
4,342,038
68,304,814
14,677,325
97,353,912
7,001,789
1,396,604
11,410,316
50,236,317
23,731,204
4,309,629
4,486,991
19,244,213
865,640
7,199,033
9,017,327
4,113,089
4,904,238
955,209
3,949,029
2,674,610
4,048,478
4,053,108
2,575,161
1,645,274
10,553,668
5,071,332
5,482,336
2,655,460
2,826,876
3,133,824
4,757,786
4,735,163
1,202,914
896,449
9,943,656
4,144,702
5,798,954
4,058,001
1,740,953
3,546,047
5,168,151
5,127,991
118,849
800,362
9,983,377
4,720,788
5,262,589
3,285,903
1,976,686
2,449,934
4,124,032
3,987,382
302,588
88,973
9,373,975
4,241,090
5,132,885
1,942,347
3,190,538
2,053,698
4,047,233
3,879,891
1,197,003
422,938
2,935,328
122,691,858
(2,780,477)
194,203,394
(1,086,131)
255,409,196
17,837,265
287,394,471
1,562,704
307,209,267
54.39%
5.37%
27.11%
1.80%
2.93%
4.33%
45.61%
1.57
34.63%
1.52
51.95%
5.93%
14.05%
0.97%
3.39%
3.06%
48.05%
3.94
34.76%
1.51
58.32%
5.70%
8.42%
0.79%
3.49%
1.71%
41.68%
43.15
38.31%
1.45
52.71%
5.86%
1.03%
0.10%
2.73%
2.20%
47.29%
13.18
33.17%
1.63
54.76%
5.27%
4.63%
0.43%
2.11%
3.28%
45.24%
3.24
35.42%
1.89
7.03%
24.03%
56.18%
69.13%
93.40%
83.55%
67.15%
8.64%
23.01%
53.06%
74.22%
93.16%
74.19%
68.24%
17.65%
9.04%
41.18%
64.42%
91.13%
66.64%
63.57%
11.63%
36.89%
31.46%
64.77%
90.50%
53.67%
48.98%
8.63%
51.60%
19.77%
70.16%
90.89%
34.74%
32.67%
1.08%
2.72%
9.42%
66.61%
250.72%
2.05%
3.62%
16.38%
144.00%
176.51%
4.48%
4.08%
20.57%
228.10%
90.97%
10.12%
9.49%
36.50%
111.02%
93.72%
18.16%
18.91%
47.15%
43.29%
104.12%
6.65%
20.22
10.40
6.90%
30.44
10.76
9.35%
26.86
6.89
9.64%
33.22
6.72
9.39%
33.61
7.47
1.78
-3.10
-1.36
200.48
3.69

E.Other items

G.Liquidity ratios

J.Cash flow ratio

66
DEUTSCHE BANK
Items
2.Reserves
3.Unremitted profit
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,767,673
2,569,048
0
198,625
(4,245)
6,548,147
278,427
1,927,525
3,326,539
1,015,656
9,311,575
3,156,621
71,744
182,730
1,158,584
4,194,971
0
19,656
4,175,315
61,073
505,508
3,556,772
2,853,853
0
702,919
(3,658)
14,032,377
625,398
6,971,367
5,128,591
1,307,021
17,585,491
3,522,250
127,489
4,924,319
3,695,931
4,715,413
0
16,162
4,699,251
107,229
509,022
4,634,445
3,600,702
0
1,033,743
(232)
17,095,525
1,683,524
532,521
10,317,214
4,562,266
21,729,738
4,754,734
1,628,093
5,309,670
999,390
6,374,949
312,566
40,343
6,334,606
130,225
2,573,020
5,169,257
3,877,033
0
1,292,224
(34)
10,013,789
217,050
1,063,547
6,005,209
2,727,983
15,183,012
4,764,709
128,632
5,350,170
490,909
3,838,528
381,517
381,517
3,457,011
120,382
871,199
5,274,418
3,667,876
0
1,606,542
(321)
12,160,786
2,640,728
443,891
6,065,947
3,010,220
17,434,883
4,722,669
37,134
6,223,146
2,046,309
3,665,213
3,245,948
419,265
3,245,948
110,230
1,049,447
375,050
139,483
235,567
18,842
216,725
482,867
527,967
527,944
171,625
198,625
679,115
382,592
296,523
8,464
288,059
1,062,244
574,011
572,659
776,292
504,294
1,041,031
400,017
641,014
48,069
592,945
1,053,202
815,012
813,878
831,135
534,135
1,111,138
242,280
868,858
354,287
514,571
1,599,341
871,160
863,450
1,242,752
805,218
1,065,750
324,744
741,006
25,263
715,743
1,221,476
653,051
653,431
1,284,168
834,293
845,485
78,109,837
2,714,933
248,140,110
(266,446)
98,796,853
(1,742,550)
41,259,232
2,084,285
66,714,952

E.Other items

62.81%
2.53%
7.18%
2.13%
5.19%
2.33%
37.19%
3.08
61.54%
1.09
43.66%
1.69%
14.18%
2.87%
6.04%
1.64%
56.34%
0.74
32.96%
0.54
61.57%
2.95%
11.53%
2.46%
4.85%
2.73%
38.43%
0.98
38.92%
0.77
78.20%
5.72%
15.58%
5.30%
10.53%
3.39%
21.80%
0.69
32.14%
0.54
69.53%
4.25%
15.82%
4.79%
7.01%
4.11%
30.47%
0.51
28.55%
0.53
34.67%
12.44%
44.84%
35.72%
70.32%
126.11%
79.84%
20.75%
21.02%
26.72%
29.16%
79.80%
91.94%
38.97%
29.37%
4.60%
29.15%
47.48%
78.67%
61.79%
58.76%
32.23%
3.23%
22.77%
39.55%
65.95%
63.92%
54.30%
27.30%
11.74%
18.62%
34.79%
69.75%
60.42%
56.30%
0.00%
0.47%
0.00%
95.86%
0.00%
0.34%
0.00%
52.37%
4.90%
0.63%
6.74%
119.15%
12.91%
9.94%
9.94%
7.38%
92.86%
100.00%
88.56%
11.44%
61.54%
6.03%
12.92%
29.72%
28.22
1.20
20.23%
69.77
1.44
21.33%
21.32
2.23
34.05%
7.98
1.16
30.25%
12.65
1.15
4.26
5.38
-0.50
-2.16
2.50
G.Liquidity ratios

J.Cash flow ratio

67
HSBC BANK MIDDLE EAST LIMITED

Items
2.Reserves
3.Unremitted profit
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,416,121
2,059,848
0
356,273
(16)
20,970,765
162,297
5,605,136
14,713,851
489,481
23,386,870
3,625,335
2,493,245
5,263,053
196,803
11,277,487
73,143
75,581
11,201,906
185,399
421,129
2,549,518
2,078,119
0
471,399
(389)
29,837,117
745,760
3,032,738
25,401,388
657,231
32,386,246
4,254,003
793,028
6,754,063
301,193
19,353,303
76,589
92,989
19,260,314
308,114
715,531
4,962,015
4,339,547
0
622,468
(5,034)
43,916,081
587,298
4,770,659
37,005,085
1,553,039
48,873,062
7,577,335
4,266,775
7,354,749
1,941,950
25,591,220
223,085
288,253
25,302,967
509,574
1,919,712
5,511,880
4,619,535
0
892,345
(1,002)
46,223,063
989,256
3,073,493
40,796,993
1,363,321
51,733,941
8,411,801
4,035,306
8,698,829
5,431,713
23,701,592
500,638
453,161
23,248,431
410,901
1,496,960
6,206,372
5,707,268
0
499,104
(7,349)
50,739,967
1,341,130
1,255,575
46,460,640
1,682,622
56,938,990
9,954,810
297,338
16,076,728
6,512,700
22,727,260
762,869
484,827
22,242,433
266,120
1,588,861
1,151,506
648,080
503,426
7,782
511,208
217,253
480,387
479,990
248,074
167,390
2,151,546
1,310,016
841,530
17,443
824,087
396,379
994,556
99,470
225,910
126,045
4,071,742
2,443,593
1,628,149
265,346
1,362,803
849,974
1,952,124
1,949,088
260,653
161,565
4,703,682
2,732,216
1,971,466
471,333
1,500,133
1,021,563
2,200,197
2,200,186
321,499
261,885
5,005,567
(2,713,791)
2,291,776
363,563
1,928,213
1,005,725
2,176,393
2,171,268
757,545
491,592
2,048,917
36,481,883
(794,179)
52,100,337
6,500,868
29,264,954
3,889,177
34,619,778
(1,289,280)
58,032,008
43.72%
2.15%
6.93%
0.72%
0.93%
2.19%
56.28%
1.93
35.10%
2.21
39.11%
2.60%
4.94%
0.39%
1.22%
2.54%
60.89%
0.44
39.03%
0.25
39.99%
3.33%
3.26%
0.33%
1.74%
2.79%
60.01%
7.48
39.66%
2.29
41.91%
3.81%
4.75%
0.51%
1.97%
2.90%
58.09%
6.84
38.43%
2.15
45.78%
7.92%
0.86%
1.77%
3.39%
-54.22%
2.87
36.21%
2.16
26.16%
0.84%
47.90%
62.92%
89.67%
76.65%
55.50%
15.58%
0.93%
59.47%
78.43%
92.13%
76.19%
68.06%
24.23%
3.97%
51.77%
75.72%
89.86%
69.16%
61.26%
24.06%
10.50%
44.94%
78.86%
89.35%
58.10%
54.03%
18.01%
11.44%
39.06%
81.60%
89.11%
48.92%
47.63%
0.65%
0.67%
3.03%
10.30%
103.33%
0.40%
0.48%
3.00%
18.76%
121.41%
0.87%
1.13%
4.50%
92.05%
129.21%
2.11%
1.91%
9.08%
104.01%
90.52%
3.36%
2.13%
12.29%
74.99%
63.55%
10.33%
15.10
6.09
7.87%
20.44
9.96
10.15%
5.90
7.46
10.65%
6.28
7.40
10.90%
9.35
7.49
12.24
-6.30
40.24
14.85
-2.62

E.Other items

G.Liquidity ratios

J.Cash flow ratio

68
OMAN INTERNATIONAL BANK SAOG.

Items
2.Reserves
3.Unremitted profit
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,025,129
2,188,856
0
(163,727)
0
737,497
4,415
98,000
0
635,082
2,762,626
2,304,786
67,683
0
0
388,295
15,437
19,974
368,321
4,583
17,253
2,033,623
2,289,217
0
(255,594)
0
660,308
2,754
178,000
0
479,554
2,693,931
2,391,751
42,807
0
0
280,948
55,905
60,442
220,506
5,646
33,221
2,712,141
3,008,999
0
(296,858)
0
729,806
4,036
186,406
521,574
17,790
3,441,947
3,088,841
38,910
0
0
315,802
83,218
38,713
277,089
15,071
22,036
2,847,576
3,203,140
0
(355,564)
0
1,097,875
7,577
382,008
690,196
18,094
3,945,451
3,328,022
52,781
150,000
0
425,108
36,416
37,885
387,223
10,461
16,964
22,594,386
22,017,968
719,810
(143,392)
13,997,648
140,061,370
2,110,211
16,669,412
116,671,219
4,610,528
176,653,404
10,318,722
1,401,796
4,753,113
40,498,840
92,586,336
13,252,316
10,426,262
82,160,074
30,800,135
6,720,724
47,204
41,313
5,891
1,183
4,708
6,233
35,495
35,501
(24,554)
(24,554)
38,268
47,636
(9,368)
40,468
(49,836)
4,471
46,502
44,273
(91,867)
(91,867)
40,426
50,080
(9,654)
21,729
12,075
9,549
62,888
57,280
(41,264)
(41,264)
56,707
75,569
(18,862)
828
(18,034)
17,597
58,269
55,148
(58,706)
(58,706)
6,999,888
4,995,955
2,003,933
1,494,801
509,132
598,771
2,006,961
2,002,159
(571,207)
(350,557)
84,174
97,322
(35,503)
85,715
21,302,169
729,519
28,507,068
450,421
7,989,545
55,864,113
12.48%
0.21%
-1.21%
-0.89%
0.23%
0.17%
87.52%
-1.45
66.42%
5.70
-24.48%
-0.35%
-4.52%
-3.41%
0.17%
-1.85%
124.48%
-0.48
108.80%
9.90
-23.88%
-0.28%
-1.52%
-1.20%
0.28%
0.35%
123.88%
-1.39
125.84%
6.00
-33.26%
-0.48%
-2.06%
-1.49%
0.45%
-0.46%
133.26%
-0.94
78.42%
3.13
28.63%
1.13%
-1.55%
-0.20%
0.34%
0.29%
71.37%
-3.51
26.41%
3.34
85.88%
0.00%
13.33%
0.00%
26.70%
90.37%
0.00%
8.19%
0.00%
24.51%
85.69%
0.00%
9.81%
17.49%
27.83%
61.59%
39.65%
6.63%
22.93%
46.51%
66.05%
79.29%
79.36%
69.44%

E.Other items

G.Liquidity ratios
396.22%
157.84%
90.87%
0.00%
8.05%
15.15%
21.20%
60.55%
44.61%
3.98%
5.14%
0.76%
5.92%
129.39%
19.90%
21.51%
2.75%
66.95%
108.12%
26.35%
12.26%
3.07%
56.13%
46.52%
8.57%
8.91%
1.28%
2.19%
104.03%
14.31%
11.26%
58.65%
14.34%
78.68%
73.30%
0.05
0.00
75.49%
0.04
0.00
78.80%
0.27
0.19
72.17%
0.16
0.24
12.79%
2.47
5.16
-3.43
0.39
-516.24
-485.59
-22.79

J.Cash flow ratio

69
THE BANK OF TOKYO-MITSUBISHI, LIMITED

Items
2.Reserves
3.Unremitted profit
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,366,071
2,262,169
0
103,902
0
4,351,324
5,381
2,816,936
1,458,945
70,062
6,717,395
2,410,745
11,611
400,000
0
3,776,394
0
0
3,776,394
23,229
95,416
2,454,236
2,374,857
0
79,379
0
3,027,209
20,914
1,996,400
978,846
31,049
5,481,445
2,475,776
10,550
200,000
0
2,621,101
0
0
2,621,101
23,262
150,756
3,957,242
3,878,698
0
78,544
0
6,106,000
12,559
4,258,351
1,715,912
119,178
10,063,242
4,072,080
36,983
1,597,697
0
4,092,787
0
0
4,092,787
19,422
244,273
4,087,588
4,041,323
0
46,265
0
4,458,128
216,907
1,397,725
2,740,049
103,447
8,545,716
4,237,350
91,075
1,905,551
0
2,198,843
0
0
2,198,843
27,336
85,561
4,700,427
4,652,493
0
47,934
0
4,343,431
9,419
1,868,489
2,349,722
115,801
9,043,858
4,840,033
88,400
1,013,607
0
2,980,932
113,339
0
2,980,932
30,055
90,831
286,789
166,142
120,647
0
120,647
82,580
64,868
64,746
138,359
245,225
330,590
243,394
87,196
0
87,196
61,290
68,639
68,323
79,847
79,299
538,145
391,186
146,959
0
146,959
80,485
103,346
97,011
124,098
78,396
516,130
385,251
130,879
0
130,879
180,185
114,573
112,088
65,612
45,928
509,987
406,928
103,059
0
103,059
184,717
114,543
113,080
70,174
47,600
70,035
8,160,825
62,702
13,545,977
202,342
4,958,383
151,296
3,781,342
46,074
2,780,898
42.07%
1.80%
10.36%
3.65%
1.23%
1.80%
57.93%
0.47
17.56%
0.78
26.38%
1.59%
3.23%
1.45%
1.12%
1.59%
73.62%
0.86
17.52%
1.11
27.31%
1.46%
1.98%
0.78%
0.80%
1.46%
72.69%
0.78
16.71%
1.21
25.36%
1.53%
1.12%
0.54%
2.11%
1.53%
74.64%
1.71
16.45%
0.62
20.21%
1.14%
1.01%
0.53%
2.04%
1.14%
79.79%
1.61
16.49%
0.61
36.06%
0.00%
56.22%
21.72%
64.78%
258.84%
88.32%
45.36%
0.00%
47.82%
17.86%
55.23%
267.77%
88.10%
40.83%
0.00%
40.67%
17.05%
60.68%
238.52%
68.51%
50.65%
0.00%
25.73%
32.06%
52.17%
80.25%
53.14%
54.49%
0.00%
32.96%
25.98%
48.03%
126.86%
70.67%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
3.80%
0.00%
2.41%
0.00%
35.22%
3.45
0.62
44.77%
5.52
0.40
39.32%
1.25
0.43
47.83%
0.93
0.67
51.97%
0.59
0.50
0.29
0.79
2.58
3.29
0.97

E.Other items

G.Liquidity ratios

J.Cash flow ratio

70
2010
DEVELOPMENT FINANCE INSTITUTIONS (DFIs)

The Balance sheet size of DFIs decreased in CY10 as the total assets slightly reduced from last years
level. Shareholders equity registered a growth of 8.6 percent over the last year. The profit before tax
increased by 136.2 percent, whereas profit after tax increased by 36.5 percent during the year.
Analysis of Balance Sheets

Shareholders equity of DFIs increased
from Rs 48.9 billion to Rs 53.1 billion in
120.0
9%
100.0
Billion Rs.
CY10 witnessing a growth of Rs 4.2

billion or 8.6 percent over CY09. In
absolute terms total assets marginally
80.0
60.0
0%
40.0
20.0
decreased from Rs 113.7 billion in CY09
-6%
0.0
Total SHE
Total Liabilities
Total Assets
to Rs 113.3 billion in CY10. Similarly
CY 09
48.9
59.4
113.8
CY 10
53.1
55.9
113.3
total liabilities contracted by around 5.8
Growth
9%
-6%
0%
10%
8%
6%
4%
2%
0%
-2%
-4%
-6%
-8%
Growth
percent in CY10 over CY09.
Analysis of the liabilities side of DFIs reveals that the major portion of liabilities came through
borrowings from financial institutions which decreased from Rs 38.8 billion in CY09 to Rs. 38.0
Major Components of Liabilities
40.0
Billion Rs.
0%
-2%
30.0
-10%
-12%
20.0
-15%
Borrowlings
Deposits
Others
CY 09
38.8
18.1
2.6
CY 10
38.0
15.9
2.1
Growth
-2%
-12%
-19%
4%
4%
30%
28%
Others
Deposits
50%
-19% -20%
10.0
0.0
100%
-5%
Growth
50.0
Share of Borrowings in Total Liabilities
65%
-25%
68%
Borrowlings
0%
CY 09
CY 10
billion in CY10, recording a decrease of 2.0 percent over CY09, but the share of borrowings in total
liabilities have increased. Total deposits contributed around 28.3 percent of total liabilities in CY10.
Total deposits stood at Rs 15.9 billion witnessing a decrease of Rs 2.2 billion in CY10 over CY09.
71
2010
Analysis of Assets
In CY10, total assets stood at Rs 113.3 billion
decreased by 0.4 percent compared to previous
Billion Rs.
year. The analysis of components of total assets

reveals that investment activities of DFIs almost
remained same while lending to financial
institutions decreased during CY10. The amount
of lending to financial institutions changed from
Rs 10.6 billion in CY09 to Rs 7.7 billion in
70.0
60.0
50.0
40.0
30.0
20.0
10.0
0.0
15%
0%
-27%
-46%
Cash & Cash
Equlvalent
Lending
Investment
Advances
CY 09
8.2
10.6
58.6
35.2
CY 10
4.5
7.7
58.3
40.5
-46%
-27%
0%
15%
Growth
20%
10%
0%
-10%
-20%
-30%
-40%
-50%
Growth
Major components of assets
CY10 recording a decrease of around 26.9

percent. Gross advances of DFIs also increased by 15 percent over CY09 and their share in total assets
also increased from 30.9 percent in CY09 to 35.7 percent in CY10.
NPLs also increased from Rs 6.7 billion to Rs 6.9 billion in CY10 reflecting an increase of 2.5
percent. NPL to gross advances ratio decreased from 16.4 percent in CY09 to 14.6 percent in CY10.
NPL Analysis
Major Components of Advances

50.0
20%
10%
20.0
16%
Growth
Billion Rs.
15%
15%
30.0
11%
12%
NPL to Adv.
NPL to SHE
5%
10.0
0.0
15%
17%
40.0
3%
3%
Adv. Gross
NPL
Provision
Adv. Net
CY 09
35.2
6.7
5.8
29.4
CY 10
40.5
6.9
5.9
34.6
Growth
15%
3%
3%
17%
72%
74%
0%
NPL Prov. To
NPL
Profitability of DFIs
In terms of profitability, CY10 witnessed increases both in profit before tax and after tax. Profit before
tax increased from Rs. 1.5 billion in CY09 to Rs. 3.6 billion in CY10 showing an increase of 136.2
percent. Return on assets (ROA) improved from 1.9 percent in CY09 to 2.6 percent in CY10.
72
2010
Return on equity (ROE) also witnessed an increase from 4.4 percent in CY09 to 5.5 percent in CY10.
44.7% 43.8%
45.0%
3.6
4.0
40.0%
2.9
Billions Rs.
CY 09
35.0%
30.0%
CY 10
25.0%
20.0%
15.0%
3.0
2.1
2.0
1.5
CY 09
CY 10
1.0
10.0%
4.4% 5.5%
5.0%
1.9% 2.6%
0.0
0.0%
Spread Ratio
ROE
ROA
Breakup value per share increased from Rs 14.1 in CY09 to Rs 14.5 in CY10. Spread ratio decreased
from 44.7 percent in CY09 to 43.8 percent in CY10.
73
DFIs - Overall
Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
7.Provisions against advances
8.Advances net of provisions (C5-C7)
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
26,102,838
15,241,780
9,316,628
1,544,430
1,961,119
49,206,171
0
35,974,943
11,515,833
1,715,395
77,270,128
456,012
8,835,280
16,864,983
23,451,174
23,918,267
1,972,787
1,304,415
22,613,852
2,780,194
2,268,633
34,570,070
21,991,780
10,619,579
1,958,711
2,948,916
53,379,971
0
39,113,088
11,867,394
2,399,489
90,898,957
582,562
9,187,229
17,648,189
35,485,410
24,631,058
2,149,654
1,885,835
22,745,223
2,692,031
2,558,313
46,902,253
39,748,980
11,124,218
(3,970,945)
(656,553)
38,833,942
0
30,937,172
5,880,621
2,016,149
85,079,642
650,959
10,252,671
8,056,730
36,071,855
27,407,033
4,816,698
3,698,407
23,708,626
2,690,082
3,648,719
48,920,410
40,748,980
6,764,011
1,407,419
5,409,974
59,424,672
0
38,774,252
18,073,599
2,576,821
113,755,056
1,665,533
6,545,275
10,576,282
58,551,142
35,183,101
6,695,174
5,753,542
29,429,559
2,790,590
4,196,675
53,127,089
42,748,980
6,764,483
3,613,626
4,266,503
55,948,787
0
38,013,567
15,856,269
2,078,951
113,342,379
1,680,344
2,770,130
7,728,674
58,332,880
40,462,622
6,863,106
5,910,752
34,551,870
2,877,036
5,401,445
4,974,357
3,720,268
1,254,090
427,607
826,483
2,458,109
908,970
795,758
2,041,539
2,143,374
5,683,688
4,224,696
1,458,993
648,463
810,529
3,666,464
1,030,265
934,573
2,981,056
2,525,835
8,483,284
4,855,654
3,627,630
6,171,391
(1,804,158)
7,621,120
3,308,278
1,196,516
1,694,081
1,195,447
10,429,986
5,768,136
4,661,850
2,660,700
1,489,660
1,458,885
1,417,421
1,363,810
1,531,026
2,147,069
11,412,755
6,409,502
5,003,253
1,233,164
3,869,200
1,472,254
1,724,727
1,687,109
3,616,728
2,931,038
600,564

2.markup/interest expensed
E.Other items
2.Cash dividend
1,015,824
3,375,138
3,475,138
3,675,138
N/A
N/A
1,332,877
12,367,470
N/A
N/A
6,191,623
12,487,600
N/A
N/A
5,682,965
13,761,913
N/A
N/A
9,897,449
15,386,918
N/A
N/A
(591,763)
19,341,258
25.21%
1.62%
8.21%
2.77%
3.18%
1.07%
74.79%
0.39
0.12
0.32
3.57
25.67%
1.61%
7.31%
2.78%
4.03%
0.89%
74.33%
0.31
0.11
0.25
2.49
42.76%
4.26%
2.55%
1.41%
8.96%
-2.12%
57.24%
0.71
0.21
0.16
0.35
44.70%
4.10%
4.39%
1.89%
1.28%
1.31%
55.30%
0.89
0.12
0.93
0.62
43.84%
4.41%
5.52%
2.59%
1.30%
3.41%
56.16%
0.47
0.13
1.15
0.80
12.02%
30.35%
29.27%
14.90%
63.68%
207.70%
50.36%
10.75%
39.04%
25.02%
13.06%
58.72%
207.55%
48.31%
12.82%
42.40%
27.87%
6.91%
45.64%
466.06%
74.44%
7.22%
51.47%
25.87%
15.89%
52.24%
194.67%
61.89%
3.93%
51.47%
30.48%
13.99%
49.36%
255.18%
75.11%
8.25%
5.45%
7.56%
32.78%
66.12%
8.73%
7.66%
6.22%
34.39%
87.73%
17.57%
13.49%
10.27%
166.87%
76.78%
19.03%
16.35%
13.69%
46.24%
85.94%
16.96%
14.61%
12.92%
20.86%
86.12%
33.78%
0.47
43.46
0.44
38.03%
0.36
34.03
0.34
55.13%
0.29
13.90
0.13
43.01%
0.31
14.08
0.37
46.87%
0.36
14.46
0.30
0.62
2.45
4.75
4.61
-0.20

7.Markup/interest expenses to markup/interest income (D2/D1)
8.Admin. expenses to profit before tax. (D8/D9) (times)
9.Non-markup/interest expenses to total income D7/(D1+D6)
10.Admin. expenses to non-markup/interest income (D8/D6) (times)
G.Liquidity ratios


4.Total deposits to total equity (B3/A) (times)
J.Cash flow ratio

74
PAIR INVESTMENT COMPANY (FORMERLY PAK-IRAN)

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
5,446,253
5,000,000
89,250
357,003
(123,267)
492,480
0
459,657
0
32,823
5,815,466
506,887
1,816,376
611,000
2,440,498
402,318
75,000
37,500
364,818
21,478
54,409
5,817,670
5,000,000
163,533
654,137
475,848
1,991,936
0
1,857,327
0
134,609
8,285,454
2,633
1,309,451
446,250
5,326,675
1,174,878
443,011
229,491
945,387
26,071
228,987
7,396,027
6,000,000
279,204
1,116,823
38,418
3,036,164
0
2,863,481
0
172,683
10,470,609
10,552
352,808
600,000
7,160,982
2,178,571
75,141
75,141
2,103,430
44,762
198,075
527,054
31,898
495,156
(37,500)
457,656
94,762
82,513
73,115
469,905
318,146
809,863
124,744
685,119
(255,745)
429,374
163,699
110,083
97,529
482,990
371,417
1,030,191
193,494
836,697
79,955
916,652
171,171
209,239
191,647
878,584
578,357
500,000
0.00%
0.00%
378,383
486,955
500,000
0.00%
0.00%
1,287,294
2,284,428
600,000
0.00%
0.00%
448,811
3,095,251
93.95%
8.51%
5.84%
5.47%
1.63%
7.87%
6.05%
0.16
0.13
0.77
0.64
84.60%
8.27%
6.38%
4.48%
1.98%
5.18%
15.40%
0.20
0.11
0.60
0.74
81.22%
7.99%
7.82%
5.52%
1.63%
8.75%
18.78%
0.22
0.17
1.12
0.96
39.95%
41.97%
6.27%
0.00%
8.47%
15.84%
64.29%
11.41%
0.00%
24.04%
3.47%
68.39%
20.09%
0.00%
29.00%
87.53%
63.26%
76.08%
18.64%
9.32%
1.38%
-100.00%
50.00%
37.71%
19.53%
7.61%
-111.44%
51.80%
3.45%
3.45%
1.02%
106.41%
100.00%
93.65%
0.09
10.89
0.00
70.22%
0.39
11.64
0.00
70.64%
0.42
12.33
0.00
1.19
3.47
0.78

E.Other items
2.Cash dividend

G.Liquidity ratios


J.Cash flow ratio

75
PAK BRUNEI INVESTMENT COMPANY LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
5,363,009
5,000,000
72,602
290,407
(81,849)
247,733
0
186,154
0
61,579
5,528,893
4,267
14,870
1,519,299
2,687,585
1,062,744
0
0
1,062,744
44,334
195,794
5,810,462
5,000,000
162,093
648,369
495,517
5,825,000
0
5,296,808
395,000
133,192
12,130,979
23,869
191,915
1,507,910
8,415,996
1,757,624
0
25,131
1,732,493
37,614
221,182
7,391,552
6,000,000
278,311
1,113,241
(48,993)
7,026,052
0
5,943,385
844,000
238,667
14,368,611
30,803
129,969
1,222,727
9,868,363
2,475,172
6,736
7,529
2,467,643
21,013
628,093
672,254
131,801
540,453
108,921
431,532
85,608
143,675
118,675
373,465
222,266
971,221
207,450
763,771
192,918
570,853
254,064
157,743
132,343
667,174
447,453
1,698,132
777,987
920,145
81,344
838,801
211,963
169,106
165,145
881,658
581,090
500,000
0.00%
0.00%
(1,218,859)
448,894
500,000
0.00%
0.00%
5,487,232
1,141,106
600,000
0.00%
0.00%
1,076,382
6,331,452
80.39%
9.78%
4.14%
4.02%
1.55%
7.81%
19.61%
0.32
0.19
1.39
0.44
78.64%
6.30%
7.70%
3.69%
2.09%
4.71%
21.36%
0.20
0.13
0.52
0.89
54.19%
6.40%
7.86%
4.04%
1.48%
5.84%
45.81%
0.19
0.09
0.78
0.97
0.35%
48.61%
19.22%
0.00%
4.48%
1.78%
69.38%
14.28%
3.26%
48.02%
444.97%
30.88%
1.12%
68.68%
17.17%
5.87%
48.90%
293.27%
36.47%
0.00%
0.00%
0.00%
0.00%
1.43%
0.00%
767.65%
0.27%
0.30%
0.09%
1,080.41%
111.77%
97.00%
0.08
10.73
0.00
47.90%
0.20
11.62
0.07
51.44%
0.86
12.32
0.11
-5.48
12.26
1.85

E.Other items
2.Cash dividend

G.Liquidity ratios
570.90%


J.Cash flow ratio

76
PAK CHINA INVESTMENT COMPNY LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
6,811,647
6,457,200
70,889
283,558
(625)
757,178
0
726,754
0
30,424
7,568,200
6,670
3,772,069
255,482
1,430,241
1,938,595
0
0
1,938,595
28,115
137,028
7,325,189
6,457,200
173,598
694,391
2,526,213
1,089,244
0
975,685
0
113,559
10,940,646
1,363,660
9,148
1,245,029
3,158,326
4,927,264
0
247,273
4,679,991
187,828
296,664
7,885,555
6,457,200
285,671
1,142,684
2,591,649
1,156,757
0
1,132,259
0
24,498
11,633,961
1,399,836
8,736
1,264,140
3,099,787
5,557,525
0
248,632
5,308,893
180,566
372,003
530,032
6,215
523,817
50,000
473,817
17,395
165,585
71,067
325,627
211,658
1,050,697
36,435
1,014,262
197,273
816,989
138,830
165,756
165,706
790,065
513,542
1,252,143
283,899
968,244
41,361
866,084
176,223
180,206
180,205
862,102
301,736
645,720
0.00%
0.00%
(15,893)
1,078,614
645,720
0.00%
0.00%
(3,029,800)
1,753,996
645,720
0.00%
0.00%
(81,735)
865,132
98.83%
6.92%
3.11%
2.80%
0.23%
6.26%
1.17%
0.22
0.30
4.09
0.33
96.53%
9.27%
7.01%
4.69%
1.27%
7.47%
3.47%
0.21
0.14
1.19
0.80
77.33%
8.32%
3.83%
2.59%
1.51%
7.44%
22.67%
0.21
0.13
1.02
0.47
49.93%
18.90%
25.62%
0.00%
10.00%
12.55%
28.87%
42.78%
0.00%
9.96%
12.11%
26.64%
45.63%
0.00%
9.94%

E.Other items
2.Cash dividend

G.Liquidity ratios
266.75%
505.01%
490.84%
0.00%
0.00%
0.00%
0.00%
5.02%
0.00%
79.78%
0.00%
4.47%
0.00%
16.64%
90.00%
0.16
10.55
0.00
66.95%
0.24
11.34
0.00
67.78%
0.11
12.21
0.00
-0.08
-5.90
-0.27


J.Cash flow ratio

77
PAK KUWAIT INVESTMENT CO.

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
11,865,440
6,000,000
4,784,369
1,081,071
(257,367)
17,029,816
0
12,600,057
3,741,500
688,259
28,637,889
41,680
7,177,124
8,344,074
7,815,400
5,248,471
377,245
374,606
4,873,865
125,197
260,549
12,950,596
6,000,000
5,791,271
1,159,325
41,164
11,413,856
0
8,644,000
1,947,500
822,356
24,405,616
24,849
5,349,009
6,591,584
8,074,324
4,418,660
338,539
338,539
4,080,121
121,588
164,141
8,368,527
6,000,000
6,447,712
(4,079,185)
(58,946)
7,158,931
0
6,370,782
37,500
750,649
15,468,512
17,179
2,759,358
500,000
8,436,921
4,269,116
1,278,058
910,181
3,358,935
107,138
288,981
8,884,894
6,000,000
2,884,894
0
175,691
15,145,252
0
10,377,872
4,075,951
691,429
24,205,837
92,512
1,797,223
800,000
17,091,939
5,003,098
1,693,697
1,395,656
3,607,442
111,266
705,455
9,421,863
6,000,000
2,992,287
429,576
196,228
13,279,888
0
9,807,369
3,138,512
334,007
22,897,979
51,424
1,363,207
250,000
15,207,224
6,389,805
1,648,540
1,420,615
4,969,190
220,636
836,298
1,650,164
1,103,042
547,122
322,771
224,351
1,407,922
362,241
360,876
1,270,032
1,209,649
1,501,903
894,330
607,573
37,647
569,926
1,573,349
400,343
400,288
1,742,932
1,449,156
1,158,545
551,191
607,354
4,647,386
(4,040,032)
253,814
286,252
286,202
(4,072,470)
(4,102,069)
1,797,555
1,189,263
608,292
716,319
(108,027)
1,015,405
314,729
314,526
592,649
516,367
2,107,494
1,452,508
654,986
(37,154)
692,140
560,739
411,904
410,755
840,975
536,969
240
15.17%
0.00%
4,337,859
1,083,300
240
20.00%
0.00%
(1,147,603)
804,466
240
0.08%
0.00%
2,454,422
1,337,586
240
0.00%
0.00%
7,482,073
534,532
240
0.00%
0.00%
(2,337,691)
916,141

E.Other items
2.Cash dividend

33.16%
1.91%
10.19%
4.22%
4.92%
0.78%
66.84%
0.28
0.12
0.26
5,040.20
40.45%
2.49%
11.19%
5.94%
6.45%
2.34%
59.55%
0.23
0.13
0.25
6,038.15
52.42%
3.93%
-49.02%
-26.52%
1.64%
-26.12%
47.58%
-0.07
0.20
1.13
-17,091.95
33.84%
2.51%
5.81%
2.13%
4.19%
-0.45%
66.16%
0.53
0.11
0.31
2,151.53
31.08%
2.86%
5.70%
2.35%
2.45%
3.02%
68.92%
0.49
0.15
0.73
2,237.37
25.21%
27.29%
17.02%
13.06%
59.47%
140.28%
32.12%
22.02%
33.08%
16.72%
7.98%
46.77%
226.89%
41.72%
17.95%
54.54%
21.71%
0.24%
46.28%
11,384.31%
66.62%
7.81%
70.61%
14.90%
16.84%
62.57%
122.75%
34.61%
6.18%
66.41%
21.70%
13.71%
58.00%
203.59%
49.36%
7.19%
7.14%
3.18%
86.16%
99.30%
7.66%
7.66%
2.61%
11.12%
100.00%
29.94%
21.32%
15.27%
510.60%
71.22%
33.85%
27.90%
19.06%
51.32%
82.40%
25.80%
22.23%
17.50%
-2.62%
86.17%
41.43%
0.09
49,439.33
0.32
53.06%
0.06
53,960.82
0.15
54.10%
0.16
34,868.86
0.00
36.71%
0.06
37,020.39
0.46
41.15%
0.10
39,257.76
0.33
3.59
-0.79
-0.60
14.49
-4.35
G.Liquidity ratios


J.Cash flow ratio

78
PAK LIBYA HOLDING COMPANY LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
4,241,661
3,241,780
762,309
237,572
(183,590)
8,751,832
0
7,033,571
1,510,250
208,011
12,809,903
48,313
21,035
4,839,307
3,561,789
3,919,143
328,068
81,882
3,837,261
66,774
435,424
7,140,682
5,841,780
898,113
400,789
(72,237)
12,562,532
0
8,750,370
3,525,000
287,162
19,630,977
21,954
226,459
5,355,534
8,450,866
5,233,732
323,641
146,018
5,087,714
63,776
424,674
7,253,062
6,141,780
1,020,589
90,693
(1,600,269)
6,519,558
0
4,858,821
1,400,000
260,737
12,172,351
42,624
78,821
698,769
5,477,558
5,483,847
529,012
545,064
4,938,783
52,281
883,515
6,524,955
6,141,780
444,589
(61,414)
(207,905)
10,099,231
0
3,210,806
6,404,711
483,714
16,416,281
64,312
108,980
1,646,286
6,379,873
8,285,178
1,012,965
944,570
7,340,608
82,960
793,262
6,676,014
6,141,780
474,801
59,433
(191,250)
9,915,845
0
4,983,790
4,657,690
274,365
16,400,609
76,513
36,324
1,482,414
6,325,349
8,430,312
1,122,912
1,019,531
7,410,781
96,089
973,139
936,778
604,916
331,862
41,944
289,918
133,919
176,034
146,499
247,803
294,776
1,264,849
961,746
303,103
58,534
244,569
458,539
175,508
167,691
527,600
499,021
1,610,370
1,105,089
505,281
505,969
(688)
281,258
218,224
207,605
62,346
112,380
1,611,086
1,145,347
465,739
508,620
(42,881)
(484,130)
226,215
222,880
(753,226)
(728,107)
1,675,251
1,125,259
549,992
341,721
208,271
214,661
287,562
281,965
135,370
151,059
324
0.00%
0.62%
(1,218,891)
1,400,927
584
0.00%
0.51%
2,351,039
2,502,846
614,178
0.00%
0.00%
(1,787,539)
2,592,189
614,178
0.00%
0.00%
(572,247)
2,267,235
614,178
0.00%
0.00%
(88,345)
1,620,644

E.Other items
2.Cash dividend

35.43%
2.59%
6.95%
2.30%
1.05%
2.26%
64.57%
0.59
0.16
1.09
909.30
23.96%
1.54%
6.99%
2.54%
2.34%
1.25%
76.04%
0.32
0.10
0.37
854.23
31.38%
4.15%
1.55%
0.92%
2.31%
-0.01%
68.62%
3.33
0.12
0.74
0.18
28.91%
2.84%
-11.16%
-4.44%
-2.95%
-0.26%
71.09%
-0.30
0.20
-0.46
-1.19
32.83%
3.35%
2.26%
0.92%
1.31%
1.27%
67.17%
2.08
0.15
1.31
0.25
0.54%
27.80%
29.96%
11.79%
68.32%
259.50%
45.87%
1.27%
43.05%
25.92%
17.96%
63.99%
148.47%
42.64%
1.00%
45.00%
40.57%
11.50%
53.56%
391.70%
87.62%
1.06%
38.86%
44.72%
39.01%
61.52%
129.36%
86.16%
0.69%
38.57%
45.19%
28.40%
60.46%
181.00%
87.44%
8.37%
2.09%
7.73%
51.22%
24.96%
6.18%
2.79%
4.53%
40.09%
45.12%
9.65%
9.94%
7.29%
92.83%
103.03%
12.23%
11.40%
15.52%
53.85%
93.25%
13.32%
12.09%
16.82%
33.52%
90.79%
33.11%
0.33
13,084.36
0.36
36.37%
0.35
12,223.47
0.49
59.59%
0.36
11.81
0.19
39.75%
0.35
10.62
0.98
40.71%
0.24
10.87
0.70
-4.13
4.71
0.79
-0.58
G.Liquidity ratios


J.Cash flow ratio

79
-15.91
PAK OMAN INVESTMENT COMPANY LIMITED

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
4,100,155
3,000,000
874,368
225,787
(94,508)
11,370,406
0
7,868,858
3,009,583
491,965
15,376,053
288,697
1,455,419
2,825,482
4,172,175
6,147,712
130,065
45,569
6,102,143
72,585
459,552
7,473,460
6,150,000
924,863
398,597
(112,803)
14,480,188
0
11,776,222
2,168,358
535,608
21,840,845
25,042
1,641,977
3,706,071
9,052,600
6,964,645
156,865
132,888
6,831,757
73,887
509,511
7,172,413
6,150,000
1,017,251
5,162
(899,590)
11,119,791
0
7,491,561
3,023,121
605,109
17,392,614
48,548
508,560
3,137,180
6,996,478
6,074,145
333,971
333,971
5,740,174
67,109
894,565
6,564,920
6,150,000
414,920
0
(142,019)
14,141,838
0
8,895,096
4,562,089
684,653
20,564,739
73,968
590,362
2,846,936
10,775,046
6,440,129
926,015
926,015
5,514,114
62,538
701,775
6,842,896
6,150,000
492,568
200,328
(106,006)
12,438,099
0
6,145,349
5,561,165
731,585
19,174,989
70,373
660,750
2,454,610
9,143,686
7,055,558
1,221,006
1,107,629
5,947,929
65,082
832,559
1,208,894
830,342
378,552
44,469
334,083
554,480
223,788
141,476
330,692
306,220
1,616,934
1,063,943
552,991
87,319
465,672
957,144
281,068
193,505
676,076
523,305
2,038,155
1,318,404
719,751
253,496
466,255
(62,050)
277,645
255,846
126,560
6,453
2,319,194
1,636,815
682,379
729,674
(47,295)
(359,896)
246,628
234,559
(653,819)
607,493
2,224,130
1,462,002
762,128
337,929
424,199
206,313
248,755
240,169
381,757
277,976
300,000
0.27%
0.00%
(955,405)
4,146,270
615,000
0.19%
0.19%
3,033,513
2,622,906
615,000
0.00%
0.00%
363,978
1,440,147
615,000
0.00%
0.00%
52,313
1,134,953
615,000
0.00%
0.00%
1,810,305
922,413
31.31%
2.46%
7.47%
1.99%
3.61%
2.17%
68.69%
0.43
0.13
0.26
1.02
34.20%
2.53%
7.00%
2.40%
4.38%
2.13%
65.80%
0.29
0.11
0.20
0.85
35.31%
4.14%
0.09%
0.04%
-0.36%
2.68%
64.69%
2.02
0.14
-4.12
0.01
29.42%
3.32%
9.25%
2.95%
-1.75%
-0.23%
70.58%
-0.36
0.13
-0.65
0.99
34.27%
3.97%
4.06%
1.45%
1.08%
2.21%
65.73%
0.63
0.10
1.16
0.45
11.34%
27.13%
39.69%
19.57%
73.95%
204.27%
56.51%
7.63%
41.45%
31.28%
9.93%
66.30%
321.19%
49.95%
3.20%
40.23%
33.00%
17.38%
63.93%
200.92%
57.77%
3.23%
52.40%
26.81%
22.18%
68.77%
141.17%
47.86%
3.81%
47.69%
31.02%
29.00%
64.87%
126.87%
60.27%
2.12%
0.74%
3.17%
97.59%
35.04%
2.25%
1.91%
2.10%
65.71%
84.71%
5.50%
5.50%
4.66%
75.90%
100.00%
14.38%
14.38%
14.11%
78.80%
100.00%
17.31%
15.70%
17.84%
30.51%
90.71%
26.67%
1.01
13.67
0.73
34.22%
0.35
12.15
0.29
41.24%
0.20
11.66
0.42
31.92%
0.17
10.67
0.69
35.69%
0.13
11.13
0.81
-3.12
5.80
56.40
0.09
6.51

E.Other items
2.Cash dividend

G.Liquidity ratios


J.Cash flow ratio

80
SAUDI PAK INDUSTRIAL & AGRI. INV CO. (PVT) LTD.

Items
1.Share capital
2.Reserves
4.Others

1.Bills payable

4.Investments
5.Gross advances
9.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
5,895,582
3,000,000
2,895,582
0
2,496,584
12,054,117
0
8,472,457
3,254,500
327,160
20,446,283
77,322
181,702
856,120
7,901,810
8,602,941
1,137,409
802,358
7,800,583
2,515,638
1,113,108
7,005,332
4,000,000
3,005,332
0
3,092,792
14,923,395
0
9,942,496
4,226,536
754,363
25,021,519
510,717
1,969,784
1,995,000
9,907,620
8,014,021
1,330,609
1,268,390
6,745,631
2,432,780
1,459,987
6,487,342
5,000,000
2,405,925
(918,583)
2,107,993
12,538,271
0
10,843,443
1,420,000
274,828
21,133,606
24,784
1,302,617
1,335,000
8,602,574
8,176,268
2,600,657
1,871,691
6,304,577
2,369,627
1,194,427
7,992,320
6,000,000
2,520,384
(528,064)
2,086,629
11,132,171
0
8,160,658
2,635,848
335,665
21,211,120
44,579
2,538,196
2,083,871
7,403,287
7,594,930
2,619,486
1,985,406
5,609,524
2,282,313
1,249,350
7,513,182
6,000,000
1,961,641
(448,459)
1,786,457
9,095,982
0
7,137,934
1,654,902
303,146
18,395,621
40,843
218,336
454,783
7,527,489
8,375,679
2,788,771
2,031,675
6,344,004
2,248,888
1,561,278
1,178,521
1,181,968
(3,446)
18,423
(21,869)
361,788
146,907
146,907
193,012
332,729
1,300,002
1,304,677
(4,674)
464,963
(469,638)
677,432
173,346
173,089
34,448
54,353
1,946,874
1,711,056
235,818
643,119
407,302
6,950,333
2,134,384
184,006
4,408,648
4,426,613
1,870,370
1,428,082
442,288
571,641
(129,353)
730,913
196,267
196,267
405,193
418,904
1,425,414
1,114,353
311,061
388,008
(76,947)
(68,816)
217,955
217,223
(363,718)
503,851
300,000
0.50%
0.00%
(830,686)
5,736,973
400,000
0.00%
0.00%
1,954,674
6,557,382
500,000
0.00%
0.00%
5,508,473
6,377,528
600,000
0.00%
0.00%
(809,416)
6,270,668
600,000
0.00%
0.00%
(1,419,490)
5,590,225
-0.29%
-0.02%
5.64%
1.63%
1.77%
-0.11%
100.29%
0.76
0.10
0.41
1.11
-0.36%
-0.02%
0.78%
0.22%
2.71%
-1.88%
100.36%
5.02
0.09
0.26
0.14
12.11%
1.12%
68.23%
20.95%
32.89%
1.93%
87.89%
0.04
0.24
0.03
8.85
23.65%
2.09%
5.24%
1.97%
3.45%
-0.61%
76.35%
0.48
0.08
0.27
0.70
21.82%
1.69%
6.71%
2.74%
-0.37%
-0.42%
78.18%
-0.60
0.16
-3.16
0.84
1.27%
38.65%
38.15%
15.92%
58.96%
264.34%
73.36%
9.91%
39.60%
26.96%
16.89%
59.64%
189.61%
56.56%
6.28%
40.71%
29.83%
6.72%
59.33%
575.79%
66.67%
12.18%
34.90%
26.45%
12.43%
52.48%
288.14%
70.35%
1.41%
40.92%
34.49%
9.00%
49.45%
506.11%
95.26%
13.22%
9.33%
19.29%
2.30%
70.54%
16.60%
15.83%
18.99%
36.66%
95.32%
31.81%
22.89%
40.09%
34.36%
71.97%
34.49%
26.14%
32.78%
28.79%
75.79%
33.30%
24.26%
37.12%
19.10%
72.85%
28.83%
0.97
19.65
0.55
28.00%
0.94
17.51
0.60
30.70%
0.98
12.97
0.22
37.68%
0.78
13.32
0.33
40.84%
0.74
12.52
0.22
-2.50
35.96
1.24
-1.93
-2.82

E.Other items
2.Cash dividend

G.Liquidity ratios


J.Cash flow ratio

81
2010
LEASING COMPANIES
Performance of leasing sector in the country has not been encouraging during FY10. Asset base
decreased by 34.5 percent to Rs 36.3 billion in FY10 from Rs 55.5 billion in FY09. The sector showed
losses before and after taxation of Rs.703.3 million & Rs.646.7 million respectively during FY10.
Analysis of Shareholders Equity

The shareholders equity of leasing sector
by
36.6
percent
in
FY10,
dropping from Rs 5.7 billion in FY09 to Rs

3.6 billion in FY10. Decline was also noted
in reserves, which decreased by 33.0 percent
6.0
Billion Rs.
decreased
8.0
4.0
Shareholders' Equity
FY 09
FY 10
-11%
4.84.3
3.6-37%
5.7
-33%
1.7
1.2
2.0
0.0
in FY10, from Rs 1.7 billion in FY09 to Rs
-2.0
1.2 billion in FY10.
-4.0
Growth%
0%
-50%
-100%
TE
SC
RV
UPL-122%
-0.8
-1.8
-150%
Total liabilities decreased from Rs.49.9
Composition of item of non-current liabilities
billion in FY09 to Rs 32.6 billion in FY10
Billion Rs
showing a decrease of 34.7 percent. The

long
term
of
100%
other
80%
institutions (BFI), deposit on finance lease
60%
(DFL) and other miscellaneous liabilities
40%
(MISC). The share composition of BFI,
20%
DFL and MISC was 29.2, 36.7 and 34.1
0%
borrowings
percent
liabilities
comprise
from financial
respectively
of
and
11.0
14.3
5.6
6.3
MISC
DFL
5.0
BFI
FY 09
non-current
5.8
FY 10
liabilities for the year FY10. BFI decreased from Rs 5.6 billion to Rs 5.0 billion in FY10. Similarly,
DFL decreased from Rs 14.3 billion in FY09 to Rs. 6.3 billion in FY10 showing a decline of 56.4
percent.
82
Current liabilities in FY09 were Rs 18.9
2010
Composition of total liabilities
billion, and in FY10 Rs 15.5 billion,

which showed a decline of 17.9 percent.
100%
The ratio of current liabilities to total
80%
Current Liabilities
18.9
15.5
Billion Rs
60%
liabilities in FY09 and FY10 was 37.8 and
40%
47.6 percent respectively, which indicates
20%
that the share of current liabilities in total
0%
31.0
FY 09
liabilities has increased in FY10.
Non-Current
Liabiliteis
17.1
FY 10
Analysis of Assets
Total assets of leasing sector were Rs 36.3
Non Current Assets
billion in FY10 as against Rs 55.5 billion
FY 09
25.0
percent over the previous year. Net
20.0
investment in finance lease contributed

75.0 percent of non-current assets in FY10
reflecting a decrease of 40.6 percent to Rs
Billion Rs.
in FY09, showing a decline of 34.5
FY 10
Growth%
28.0
30.0
0%
-5%
21.8
-10%
17.3
-15%
-16%
-20%
13.0
15.0
-25%
10.0
-30%
5.0
4.2
-38%
-41%
2.0 1.6
-36%
2.7
0.0
-35%
-40%
-45%
NCA
12.9 billion in FY10 from Rs 21.8 billion
NIFL
FA
MISC
in FY09. Fixed assets (FA) were 9.4 percent of non-current assets and other/miscellaneous assets were
15.6 percent of non-current assets in FY10. FA declined by 16.4 percent while other/miscellaneous
assets by 35.8 percent in FY10.
Current assets (CA) were Rs 27.5 billion in
Current Assets
FY09 decreased by 30.7 percent to reach

Rs 19.0 billion in FY10. CA constituted
were 49.5 percent of total assets in FY09.
Billon Rs.
52.4 percent of total assets in FY10 which
30.0
20.0
27.5
19.0
FY 09
10.0
Current assets comprise of cash and cash
2.1
0.0
CA
equivalents (CCE) and other/ misc. current
23.8
3.6
17.0
FY 10
CCA
assets (OCA). CCE at Rs 3.6 billion in
OCA
FY09 showed a decline of 43.2 percent to

reach Rs 2.1 billion in FY10. Cash and balances with treasury banks, placement with other banks,
term deposit certificates and other money market placements being components of CCE have shown
decreases of 98.8, 57.1, 21.3 and 39.3 percent respectively in FY10 over FY09. OCA constituted 86.7
percent and 89.1 percent of CA in FY09 & FY10 respectively, showing decline of 28.8 percent.
83
2010
Profitability and operating efficiency

The profit and loss account of leasing sector
Profit & Loss Account
indicates that prominent source of revenue
6.0
generation is income from lease (IL), which
5.0
lease are components of IL showing

decreases
of
35.0
and
18.5
percent
Growth%
60%
54%
54%
46%
50%
40%
3.7
30%
3.0
Billion Rs.
Income from finance lease and operating
FY 10
5.4
4.0
was Rs. 5.4 billion in FY09 and decreased

by 32.1 percent to Rs 3.7 billion in FY10.
FY 09
20%
2.0
0.8
1.0
1.2
1.3
10%
1.0
0%
0.2 0.1
-10%
0.0
IL
-1.0
II
-32%
OI
-29%
AE -23% PBT
-0.7
-1.4
-1.5
-2.0
PAT
-0.6
-20%
-30%
-40%
respectively during FY10. Income from investment (II) declined by 29.4 percent whereas other income
(OI) increased by 46.5 percent in FY10. Administrative expenses (AE) at Rs 1.3 billion in FY09
decreased to Rs. 1.0 billion during FY10. Losses before and after taxation were around Rs.703.0
million and Rs. 646.6 million respectively FY10 as compared to Rs 1.5 billion and 1.4 billion during
last year.
Return on equity (ROE), return on
Profitability Ratios
capital employed (ROCE) ,return on
0.0%
assets (ROA) and return on revenue
-5.0%
(ROR) remained nagative during FY10.
ROE
ROCE
-4.2%-3.4%
ROA
-2.6%-1.8%
ROR
FY 09
-10.0%
-13.0%
-15.0%
-17.9%
-20.0%
FY 10
-22.3%
-25.0%
-24.9%
-30.0%
84
85
2010
Leasing Companies - Overall

Items
1.Share capital
2.Reserves
3.Un appropriated profit/loss
4.Others
B.Total liabilities (B1+ B2)

1.Non-current liabilities (a + b + c)
a.Borrowings from financial and other institutions
b.Deposit on finance lease
c.Other/misc. liabilities
2.Current liabilities
C.Total assets (C1 + C2)

1.Non-current assets (a + b + c)
a.Net investment in finance lease
b.Fixed assets
c.Other/misc. assets
2.Current assets (e + f)
a.Cash and balances with treasury banks
b.Placement with other banks
c.Term deposits certificate
d.Other money market placements
e.Cash & cash equivalent (a + b + c + d)
f.Other/misc. current assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
7,599,619
4,809,639
2,330,498
459,482
(61,707)
56,199,352
30,508,366
5,483,232
11,436,621
13,588,513
25,690,986
63,737,264
36,012,393
26,599,643
1,983,215
7,429,535
27,724,871
1,972,518
1,677,386
1,521,377
600,028
5,771,309
21,953,562
6,835,258
5,000,877
2,921,318
(1,086,937)
292,972
57,608,954
32,451,522
6,195,363
12,064,697
14,191,462
25,157,432
64,737,184
36,625,175
27,246,649
2,179,287
7,199,239
28,112,009
222,362
2,285,167
2,065,144
1,185,922
5,758,595
22,353,414
7,080,248
4,460,666
2,410,646
208,936
30,256
56,628,753
36,481,901
6,765,089
16,436,318
13,280,494
20,146,852
63,739,257
35,673,385
29,729,111
2,029,242
3,915,032
28,065,872
306,799
1,166,953
719,556
947,040
3,140,348
24,925,524
5,699,127
4,782,365
1,735,115
(818,353)
(97,545)
49,869,729
30,995,512
5,647,750
14,343,156
11,004,606
18,874,217
55,471,311
27,998,647
21,840,207
1,954,976
4,203,464
27,472,664
554,843
597,845
1,627,672
864,832
3,645,192
23,827,472
3,613,973
4,264,964
1,161,854
(1,812,845)
163,648
32,570,984
17,066,750
4,991,256
6,256,328
5,819,166
15,504,234
36,348,605
17,314,704
12,981,968
1,633,591
2,699,145
19,033,901
6,602
256,225
1,281,769
525,124
2,069,720
16,964,181
3,631,680
1,303,184
4,934,864
455,071
1,049,296
6,439,231
1,116,904
851,111
716,912
4,739,085
1,001,255
5,740,340
152,621
884,695
6,777,656
1,222,244
(479,403)
(491,665)
4,813,303
944,022
5,757,325
266,823
1,655,426
7,679,574
1,253,641
476,818
598,955
4,445,437
936,782
5,382,219
153,329
828,022
6,363,570
1,314,381
(1,520,635)
(1,416,180)
2,889,515
763,287
3,652,802
108,284
1,212,999
4,974,085
1,012,900
(703,306)
(646,665)
933,935
957,667
734,045
478,215
426,475
N/A
N/A
1,509,669
N/A
N/A
1,724,576
N/A
N/A
1,656,175
N/A
N/A
4,585,308
N/A
N/A
2,312,215
9.43%
2.24%
1.12%
11.13%
76.64%
1.56
0.77
-7.19%
-1.21%
-0.76%
-7.25%
84.70%
-2.49
-0.51
8.46%
1.09%
0.94%
7.80%
74.97%
2.09
0.82
-24.85%
-4.16%
-2.55%
-22.25%
84.58%
-0.93
-2.96
-17.89%
-3.37%
-1.78%
-13.00%
73.44%
-1.57
-1.52
9.05%
41.73%
1.08
0.88
8.90%
42.09%
1.12
0.89
4.93%
46.64%
1.39
0.89
6.57%
39.37%
1.46
0.90
5.69%
35.72%
1.23
0.90
11.92%
8.14
10.56%
7.14
11.11%
9.65
10.27%
11.92
9.94%
8.47
2.11
0.06
-3.51
0.07
2.77
0.08
-3.24
0.24
-3.58
0.15

1.Income from finance lease
2.Income from operating lease
3.Income from lease (D1 + D2)
4.Income from investments
5.Other income
6.Total income/revenue (D3 to D5)
E.Other items
2.Cash dividend
3.Stock dividend

2.Return on capital employed (ROCE) (D8/(C-B2))
4.Return on revenue (ROR) (D9/D6)
5.Lease income to total income (D3/D6)
6.Administrative expenses to profit before tax. (D7/D9) (times)
G.Liquidity ratios
1.Cash & cash equivalent to total assets (C2e/C)
2.Net investment in finance lease to total assets (C1a/C)
3.Current assets to current liabilities (C2/B2) (times)
4.Total liabilities to total assets (B/C) (times)
H.Capital /leverage ratios

I.Cash flow ratio

1.Cash generated from operating activities to profit after tax. (E4/D9) (times)
2.Cash generated from operating activities to current liabilities (E4/B2) (times)
86
Grays Leasing Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
253,005
200,000
55,534
(2,529)
0
1,302,664
748,138
357,458
281,258
109,422
554,526
1,555,669
950,505
908,644
30,532
11,329
605,164
34,682
550,784
222
244
585,932
19,232
268,470
200,000
58,625
9,845
21,019
1,446,071
915,190
438,833
346,499
129,858
530,881
1,735,560
1,003,690
926,087
58,699
18,904
731,870
15
4,569
0
697,012
701,596
30,274
259,238
200,000
58,625
613
19,969
1,293,288
798,343
372,353
369,898
56,092
494,945
1,572,495
881,707
773,432
92,123
16,152
690,788
21
20,793
0
641,375
662,189
28,599
202,112
215,000
58,625
(71,513)
18,970
852,115
262,733
96,968
141,555
24,210
589,382
1,073,197
289,847
189,313
89,373
11,161
783,350
36
16,199
0
763,478
779,713
3,637
101,581
215,000
58,625
(172,044)
18,022
554,619
43,384
4,796
33,888
4,700
511,235
674,222
144,025
67,666
65,676
10,683
530,197
30
14,000
0
512,481
526,511
3,686
139,067
221
139,288
1,875
140,416
281,579
26,393
24,728
14,007
145,189
0
145,189
0
17,507
162,696
31,842
23,250
15,458
129,584
8,317
137,901
0
15,055
152,956
38,556
(9,571)
(10,283)
91,969
3,415
95,384
0
10,931
106,315
36,188
(74,578)
(56,520)
50,634
5,425
56,059
0
10,361
66,420
27,767
(118,232)
(101,478)
20,000
0.00%
0.00%
17,837
20,000
0.00%
0.00%
(167,344)
20,000
0.00%
0.00%
171,193
21,500
0.00%
0.00%
(24,336)
21,500
0.00%
0.00%
(24,634)
5.54%
2.47%
0.90%
4.97%
49.47%
1.88
0.70
5.76%
1.93%
0.89%
9.50%
89.24%
2.06
0.77
-0.04%
-0.01%
-0.01%
-0.07%
0.90%
-3.75
-0.51
-27.96%
-15.41%
-5.27%
-53.16%
89.72%
-0.64
-2.63
-99.90%
-72.54%
-15.05%
-152.78%
84.40%
-0.27
-4.72
37.66%
58.41%
1.09
0.84
40.42%
53.36%
1.38
0.83
0.42%
0.49%
1.40
0.82
72.65%
17.64%
1.33
0.79
78.09%
10.04%
1.04
0.82
16.26%
12.65
15.47%
13.42
0.17%
12.96
18.83%
9.40
15.07%
4.72
1.27
0.03
-10.83
-0.32
-16.65
0.35
0.43
-0.04
0.24
-0.05

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

G.Liquidity ratios

I.Cash flow ratio

87
Natover Lease & Refinance Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
516,477
487,750
28,727
0
0
434,199
111,495
0
65,327
46,168
322,704
950,676
483,451
124,156
144,423
214,872
467,225
45,502
102,798
83,646
0
231,946
235,279
56,915
487,750
28,727
(459,562)
0
550,901
142,983
0
56,901
86,082
407,918
607,816
412,853
79,350
126,230
207,273
194,963
8,019
74,238
71,653
0
153,910
41,053
(123,617)
487,750
(430,835)
(180,532)
0
397,892
91,084
0
26,722
64,362
306,808
274,275
96,370
24,756
70,679
935
177,905
11,623
61,184
79,275
0
152,082
25,823
(177,685)
487,750
(611,367)
(54,068)
0
275,332
24,153
0
13,269
10,884
251,179
97,647
48,463
21,894
25,693
876
49,184
6,385
17,583
65
0
24,033
25,151
(177,685)
487,750
(611,367)
(54,068)
0
275,332
24,153
0
13,269
10,884
251,179
97,647
48,463
21,894
25,693
876
49,184
6,385
17,583
65
0
24,033
25,151
28,044
37,921
65,965
59,908
157
126,030
44,536
23,174
24,286
41,166
25,448
66,614
32,028
1,116
99,758
49,087
(420,913)
(429,336)
41,251
11,692
52,943
79,433
2,070
134,446
43,811
(179,860)
(180,532)
21,155
6,465
27,620
82,693
2,322
112,635
35,487
(54,054)
(54,068)
21,155
6,465
27,620
82,693
2,322
112,635
35,487
(54,054)
(54,068)
48,775
0.00%
0.00%
(76,069)
48,775
0.00%
0.00%
(122,319)
48,755
0.00%
0.00%
(183,700)
48,755
0.00%
0.00%
(4,857)
48,755
0.00%
0.00%
(4,857)
4.70%
3.69%
2.55%
19.27%
52.34%
1.83
0.50
-754.35%
-210.56%
-70.64%
-430.38%
66.78%
-0.11
-8.80
1.46%
5.53%
-0.66%
-1.34%
0.39%
-0.24
-3.70
30.43%
35.21%
-55.37%
-48.00%
24.52%
-0.66
-1.11
30.43%
35.21%
-55.37%
-48.00%
24.52%
-0.66
-1.11
24.40%
13.06%
1.45
0.46
25.32%
13.05%
0.48
0.91
0.55%
0.09%
0.58
1.45
24.61%
22.42%
0.20
2.82
24.61%
22.42%
0.20
2.82
54.33%
10.59
9.36%
1.17
-0.45%
-2.54
-181.97%
-3.64
-181.97%
-3.64
-3.13
-0.24
0.28
-0.30
1.02
-0.60
0.09
-0.02
0.09
-0.02

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

G.Liquidity ratios

I.Cash flow ratio

88
Orix Leasing Pakistan Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,324,630
694,785
1,267,596
362,249
0
21,412,749
12,027,331
1,035,300
5,077,620
5,914,411
9,385,418
23,737,379
14,150,288
7,938,095
766,652
5,445,541
9,587,091
1,058,439
0
471,765
0
1,530,204
8,056,887
2,378,881
694,785
1,684,096
0
0
23,777,103
14,592,625
1,035,300
6,179,578
7,377,747
9,184,478
26,155,984
16,003,111
9,559,458
751,180
5,692,473
10,152,873
42,231
0
498,383
0
540,614
9,612,259
2,603,868
694,785
1,576,899
332,184
0
25,211,112
20,175,342
3,602,959
9,913,743
6,658,640
5,035,770
27,814,980
15,876,126
13,169,849
832,333
1,873,944
11,938,854
207,557
0
261,519
0
469,076
11,469,778
2,077,910
820,528
1,052,604
204,778
0
25,245,296
17,807,230
3,864,826
8,100,984
5,841,420
7,438,066
27,323,206
13,465,632
9,828,123
1,121,881
2,515,628
13,857,574
528,227
0
1,467,281
0
1,995,508
11,862,066
2,016,356
820,529
1,195,827
0
0
21,762,670
12,963,244
3,186,110
4,543,263
5,233,871
8,799,426
23,779,026
11,918,496
9,130,304
1,075,338
1,712,854
11,860,530
0
128,632
1,216,429
0
1,345,061
10,515,469
1,582,008
446,630
2,028,638
36,815
245,545
2,310,998
351,303
454,792
396,292
2,174,914
500,545
2,675,459
23,191
234,426
2,933,076
412,423
395,579
334,079
2,378,393
535,434
2,913,827
33,330
504,110
3,451,267
516,826
351,609
266,609
2,374,476
589,621
2,964,097
83,641
475,772
3,523,510
651,523
(428,715)
(467,096)
2,066,884
625,848
2,692,732
70,258
994,309
3,757,299
599,756
125,956
104,784
232,463
35.00%
0.00%
1,637,009
237,888
35.00%
0.00%
2,174,548
69,478
15.00%
15.00%
549,478
82,053
0.00%
0.00%
2,690,983
82,053
0.00%
0.00%
945,394
17.05%
3.17%
1.67%
17.15%
87.78%
0.89
1.70
14.04%
2.33%
1.28%
11.39%
91.22%
1.23
1.40
0.10%
0.02%
0.01%
0.08%
0.84%
1.94
3.84
-22.48%
-2.16%
-1.71%
-13.26%
84.12%
-1.39
-5.69
5.20%
0.84%
0.44%
2.79%
71.67%
5.72
1.28
6.45%
33.44%
1.02
0.90
2.07%
36.55%
1.11
0.91
0.02%
0.47%
2.37
0.91
7.30%
35.97%
1.86
0.92
5.66%
38.40%
1.35
0.92
9.79%
10.00
9.09%
10.00
0.09%
37.48
7.60%
25.32
8.48%
24.57
4.13
0.17
6.51
0.24
2.06
0.11
-5.76
0.36
9.02
0.11

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

G.Liquidity ratios

I.Cash flow ratio

89
Pak-Gulf Leasing Company Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
240,514
179,350
61,164
0
27,332
399,611
210,575
0
134,698
75,877
189,036
667,457
426,115
358,144
55,201
12,770
241,342
824
228,780
0
0
229,604
11,738
244,513
193,698
27,410
23,405
26,716
298,066
157,982
8,582
128,636
20,764
140,084
569,295
313,701
257,958
51,530
4,213
255,594
0
236,923
0
0
236,923
18,671
256,702
193,698
29,580
33,424
24,871
282,308
151,144
0
129,971
21,173
131,164
563,881
354,788
303,813
47,894
3,081
209,093
0
181,497
0
0
181,497
27,596
333,766
253,698
32,556
47,512
47,865
324,924
227,757
25,000
161,465
41,292
97,167
706,555
473,944
391,013
82,710
221
232,611
0
182,279
0
0
182,279
50,332
346,117
253,698
37,041
55,378
44,150
309,837
235,872
8,333
178,168
49,371
73,965
700,104
447,104
366,450
77,532
3,122
253,000
0
6,233
1,530
0
7,763
245,237
0
53,425
53,425
404
661
54,490
19,745
8,025
9,416
0
49,243
49,243
725
1,201
51,169
24,405
500
2,660
0
49,767
49,767
703
150
50,620
18,028
12,164
10,849
0
53,666
53,666
5,184
349
59,199
18,669
23,023
14,878
0
58,705
58,705
4,738
5,940
69,383
19,884
32,273
21,249
17,935
0.00%
6.00%
37,140
19,370
0.00%
8.00%
93,017
19,370
0.00%
0.00%
7,472
25,370
0.00%
0.00%
(31,254)
25,370
5.00%
0.00%
43,228
3.91%
1.68%
1.41%
17.28%
98.05%
2.10
0.53
1.09%
0.12%
0.47%
5.20%
96.24%
9.17
0.14
0.04%
0.03%
0.02%
0.21%
0.98%
1.66
0.56
4.46%
3.78%
2.11%
25.13%
90.65%
1.25
0.59
6.14%
5.15%
3.04%
30.63%
84.61%
0.94
0.84
34.40%
53.66%
1.28
0.60
41.62%
45.31%
1.82
0.52
0.32%
0.54%
1.59
0.50
25.80%
55.34%
2.39
0.46
1.11%
52.34%
3.42
0.44
36.03%
13.41
42.95%
12.62
0.46%
13.25
47.24%
13.16
49.44%
13.64
3.94
0.20
34.97
0.66
0.69
0.06
-2.10
-0.32
2.03
0.58

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

G.Liquidity ratios

I.Cash flow ratio

90
SME Leasing Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
404,986
320,000
84,986
0
0
1,210,331
688,594
515,406
0
173,188
521,737
1,615,317
1,090,526
1,040,071
12,327
38,128
524,791
14,049
448,157
0
0
462,206
62,585
435,240
320,000
115,240
0
0
1,481,629
921,757
724,182
0
197,575
559,872
1,916,869
1,260,940
1,206,948
11,240
42,752
655,929
23,705
569,842
0
0
593,547
62,382
419,363
320,000
48,466
50,897
(8,783)
1,569,329
895,907
340,486
181,250
374,171
673,422
1,979,909
1,221,954
1,146,981
9,711
65,262
757,955
33,964
31,308
0
0
65,272
692,683
349,615
320,000
48,466
(18,851)
1,649
1,239,513
529,821
98,236
428,318
3,267
709,692
1,590,777
957,777
907,451
13,861
36,465
633,000
36
22,411
0
0
22,447
610,553
299,829
320,000
48,466
(68,637)
3,835
685,972
297,074
12,659
280,353
4,062
388,898
989,636
470,485
432,543
23,402
14,540
519,151
26
11,877
0
0
11,903
507,248
(783)
133,480
132,697
0
12,678
145,375
38,730
29,872
24,100
155,282
272
155,554
250
15,954
171,758
46,856
35,109
30,667
134,241
0
134,241
5,663
15,951
155,855
43,631
2,275
7,711
104,603
0
104,603
(4,674)
19,268
119,197
47,631
(70,560)
(69,748)
73,469
1,079
74,548
0
11,043
85,591
44,709
(47,388)
(49,786)
320,000
0.00%
0.00%
(124,499)
320,000
0.00%
0.00%
(102,504)
320,000
0.00%
0.00%
92,656
32,000
0.00%
0.00%
236,228
32,000
0.00%
0.00%
231,733
5.95%
2.73%
1.49%
16.58%
91.28%
1.61
0.08
7.05%
2.59%
1.60%
17.85%
90.57%
1.53
0.10
0.02%
0.00%
0.00%
0.05%
0.86%
5.66
0.02
-19.95%
-8.01%
-4.38%
-58.51%
87.76%
-0.68
-2.18
-16.60%
-7.89%
-5.03%
-58.17%
87.10%
-0.90
-1.56
28.61%
64.39%
1.01
0.75
30.96%
62.96%
1.17
0.77
0.03%
0.58%
1.13
0.79
1.41%
57.04%
0.89
0.78
1.20%
43.71%
1.33
0.69
25.07%
1.27
22.71%
1.36
0.21%
1.31
21.98%
10.93
30.30%
9.37
-5.17
-0.24
-3.34
-0.18
12.02
0.14
-3.39
0.33
-4.65
0.60

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

G.Liquidity ratios

I.Cash flow ratio

91
Saudi Pak Leasing Company Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
663,960
430,100
125,325
108,535
(125,984)
5,481,683
1,854,672
100,000
847,557
907,115
3,627,011
6,019,659
2,254,738
1,789,012
84,379
381,347
3,764,921
164,162
215,919
25,583
0
405,664
3,359,257
653,642
430,100
136,164
87,378
(15,305)
5,899,994
2,028,497
0
846,942
1,181,555
3,871,497
6,538,331
2,610,090
2,281,114
208,861
120,115
3,928,241
306
955,381
407,294
0
1,362,981
2,565,260
684,097
451,605
150,857
81,635
(136,762)
6,888,051
2,441,650
0
1,070,376
1,371,274
4,446,401
7,435,386
3,313,267
2,941,966
256,383
114,918
4,122,119
49,704
419,779
11,250
0
480,733
3,641,386
217,148
451,605
148,257
(382,714)
(144,934)
5,830,720
2,648,890
0
876,653
1,772,237
3,181,830
5,902,934
2,233,638
1,880,876
260,795
91,967
3,669,296
14,125
108,866
1,013
0
124,004
3,545,292
(123,738)
451,605
148,257
(723,600)
25,261
4,569,990
1,769,358
632,000
692,925
444,433
2,800,632
4,471,513
1,408,863
1,069,278
119,283
220,302
3,062,650
30
18,511
1,297
0
19,838
3,042,812
401,253
18,573
419,826
0
223,532
643,358
94,716
103,939
92,939
442,389
38,237
480,626
0
241,056
721,682
100,664
70,698
54,198
479,905
74,835
554,740
0
316,561
871,301
105,283
90,865
73,465
437,132
62,221
499,353
0
177,970
677,323
112,291
(527,197)
(458,059)
277,855
25,474
303,329
0
132,554
435,883
97,227
(419,636)
(342,754)
43,010
15.00%
0.00%
(420,937)
43,010
10.00%
0.05%
(618,070)
45,160
0.00%
0.00%
(240,840)
45,160
0.00%
0.00%
823,319
45,160
0.00%
0.00%
930,274
14.00%
4.34%
1.54%
14.45%
65.26%
1.02
2.16
8.29%
2.65%
0.83%
7.51%
66.60%
1.86
1.26
0.11%
0.03%
0.01%
0.08%
0.64%
1.43
1.63
-210.94%
-19.37%
-7.76%
-67.63%
73.72%
-0.25
-10.14
277.00%
-25.11%
-7.67%
-78.63%
69.59%
-0.28
-7.59
6.74%
29.72%
1.04
0.91
20.85%
34.89%
1.01
0.90
0.07%
0.40%
0.93
0.93
2.10%
31.86%
1.15
0.99
0.44%
23.91%
1.09
1.02
11.03%
15.44
10.00%
15.20
0.09%
15.15
3.68%
4.81
-2.77%
-2.74
-4.53
-0.12
-11.40
-0.16
-3.28
-0.05
-1.80
0.26
-2.71
0.33

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

G.Liquidity ratios

I.Cash flow ratio

92
Security Leasing Corporation Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
479,440
392,000
68,605
18,835
(73,696)
4,364,808
2,108,610
1,402,468
706,142
0
2,256,198
4,770,552
2,493,990
1,924,767
221,794
347,429
2,276,562
103,460
0
93,157
420,969
617,586
1,658,976
603,561
513,000
76,506
14,055
(33,407)
4,830,329
2,461,165
1,518,750
939,829
2,586
2,369,164
5,400,483
3,001,377
2,467,054
209,844
324,479
2,399,106
39,110
0
20,743
396,770
456,623
1,942,483
592,370
475,500
118,867
(1,997)
23,776
4,961,128
2,632,668
1,602,207
1,027,875
2,586
2,328,460
5,577,274
3,108,830
2,302,632
246,681
559,517
2,468,444
60
38,634
4,814
305,665
349,173
2,119,271
215,787
438,028
118,867
(341,108)
22,547
3,727,834
1,812,607
1,157,747
654,860
0
1,915,227
3,966,168
2,010,853
1,222,343
204,684
583,826
1,955,315
0
3,750
680
101,354
105,784
1,849,531
59,449
438,028
118,867
(497,446)
21,319
2,668,937
1,432,902
1,147,358
285,544
0
1,236,035
2,749,705
1,114,513
494,912
161,314
458,287
1,635,192
34
2,517
1,305
12,643
16,499
1,618,693
235,206
61,185
296,391
0
213,625
510,016
65,895
114,904
108,021
380,357
60,307
440,664
0
146,166
586,830
78,817
48,856
40,258
383,218
58,595
441,813
0
556,615
998,428
89,305
(10,039)
211,810
321,161
46,438
367,599
(108,625)
(60,802)
198,172
99,937
(468,114)
(357,797)
149,924
21,398
171,322
(49,674)
8,467
130,115
93,118
(287,286)
(273,954)
39,200
10.00%
43.00%
(883,353)
51,300
9.10%
0.00%
(286,125)
47,550
9.10%
0.00%
152,826
43,802
0.00%
0.00%
57,319
43,802
0.00%
0.00%
201,632
22.53%
4.57%
2.26%
21.18%
58.11%
0.61
2.76
6.67%
1.61%
0.75%
6.86%
75.09%
1.96
0.78
0.36%
0.00%
0.04%
0.21%
0.44%
0.42
4.45
-165.81%
-22.82%
-9.02%
-180.55%
185.49%
-0.28
-8.17
-460.82%
-18.98%
-9.96%
-210.55%
131.67%
-0.34
-6.25
12.95%
40.35%
1.01
0.91
8.46%
45.68%
1.01
0.89
0.06%
0.41%
1.06
0.89
2.67%
30.82%
1.02
0.94
0.60%
18.00%
1.32
0.97
10.05%
12.23
11.18%
11.77
0.11%
12.46
5.44%
4.93
2.16%
1.36
-8.18
-0.39
-7.11
-0.12
0.72
0.07
-0.16
0.03
-0.74
0.16

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

G.Liquidity ratios

I.Cash flow ratio

93
Sigma Leasing Corporation Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
355,586
300,000
55,586
0
55,447
1,033,146
603,195
287,500
440
315,255
429,951
1,444,179
849,597
759,134
85,563
4,900
594,582
7,847
0
0
0
7,847
586,735
369,474
300,000
50,946
18,528
55,320
1,206,344
580,937
245,820
2,412
332,705
625,407
1,631,138
832,503
743,642
87,703
1,158
798,635
61
28,172
103,133
0
131,366
667,269
331,993
300,000
61,861
(29,868)
55,194
982,953
479,120
141,667
1,739
335,714
503,833
1,370,140
627,911
541,329
85,513
1,069
742,229
58
73,089
163,257
0
236,404
505,825
306,303
300,000
61,862
(55,559)
40,476
632,691
315,918
33,333
1,077
281,508
316,773
979,470
361,974
278,688
82,337
949
617,496
67
97,559
137,332
0
234,958
382,538
313,321
300,000
63,209
(49,888)
54,953
163,218
70,515
0
397
70,118
92,703
531,492
201,727
119,243
81,654
830
329,765
65
48,354
60,118
0
108,537
221,228
94,757
25,276
120,033
0
9,361
129,394
15,633
43,395
42,177
134,262
1,040
135,302
0
21,456
156,758
19,641
68,424
60,684
123,397
11,100
134,497
0
22,261
156,758
23,854
58,147
54,580
84,095
5,192
89,287
0
10,540
99,827
24,054
(74,417)
(67,860)
43,171
184
43,355
0
31,844
75,199
24,326
(486)
6,736
30,000
12.00%
0.00%
(287,745)
30,000
16.00%
0.00%
5,867
30,000
11.00%
0.00%
377,294
30,000
0.00%
0.00%
325,976
30,000
0.00%
0.00%
210,019
11.86%
4.28%
2.92%
32.60%
92.77%
0.37
1.41
16.42%
6.80%
3.72%
38.71%
86.31%
0.32
2.02
0.16%
0.07%
0.04%
0.35%
0.86%
0.44
1.82
-22.15%
-11.23%
-6.93%
-67.98%
89.44%
-0.35
-2.26
2.15%
-0.11%
1.27%
8.96%
57.65%
3.61
0.22
0.54%
52.57%
1.38
0.72
8.05%
45.59%
1.28
0.74
0.17%
0.40%
1.47
0.72
23.99%
28.45%
1.95
0.65
20.42%
22.44%
3.56
0.31
24.62%
11.85
22.65%
12.32
0.24%
11.07
31.27%
10.21
58.95%
10.44
-6.82
-0.67
0.10
0.01
6.91
0.75
-4.80
1.03
31.18
2.27

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

G.Liquidity ratios

I.Cash flow ratio

94
Standard Chartered Leasing Limited

Items
1.Share capital
2.Reserves
4.Others


b.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
506,969
391,342
94,407
21,220
(7,175)
3,762,381
2,503,639
883,795
664,728
955,116
1,258,742
4,262,175
2,601,540
2,304,450
21,886
275,204
1,660,635
89,370
170
0
0
89,540
1,571,095
272,359
391,342
94,407
(213,390)
5,063
2,518,434
1,272,300
386,667
445,554
440,079
1,246,134
2,795,856
1,531,166
1,237,142
7,735
286,289
1,264,690
11,245
170
0
0
11,415
1,253,275
209,098
391,342
94,407
(276,651)
(853)
1,543,716
460,871
66,667
285,129
109,075
1,082,845
1,751,961
811,401
567,724
9,618
234,059
940,560
7
5,040
14,698
0
19,745
920,815
736,138
978,354
94,408
(336,624)
(3,893)
1,269,281
304,736
0
201,334
103,402
964,545
2,001,526
1,292,056
1,043,785
6,734
241,537
709,470
7
5,287
5,741
0
11,035
698,435
778,743
978,354
102,929
(302,540)
(3,892)
1,580,409
230,248
0
228,521
1,727
1,350,161
2,355,260
1,561,028
1,279,678
3,699
277,651
794,232
32
8,518
1,025
0
9,575
784,657
4,154
353,075
357,229
3,593
38,426
399,248
69,460
(12,017)
346
3,288
264,060
267,348
102
37,341
304,791
71,459
(394,651)
(234,609)
0
150,715
150,715
7,493
23,297
181,505
48,561
(56,738)
(63,262)
0
165,421
165,421
0
14,464
179,885
53,833
(56,552)
(59,973)
206,423
18,709
225,132
269
16,159
241,560
70,626
65,547
42,606
39,134
0.00%
0.00%
514,634
39,134
0.00%
0.00%
1,041,962
39,134
0.00%
0.00%
605,369
97,835
0.00%
0.00%
(434,775)
97,835
0.00%
0.00%
(220,574)

5.Other income
E.Other items
2.Cash dividend
3.Stock dividend

0.07%
-0.40%
0.01%
0.09%
89.48%
200.75
0.01
-86.14%
-25.47%
-8.39%
-76.97%
87.72%
-0.30
-6.00
-0.30%
-0.09%
-0.04%
-0.35%
0.83%
-0.77
-1.62
-8.15%
-5.45%
-3.00%
-33.34%
91.96%
-0.90
-0.61
5.47%
6.52%
1.81%
17.64%
93.20%
1.66
0.44
2.10%
54.07%
1.32
0.88
0.41%
44.25%
1.01
0.90
0.01%
0.32%
0.87
0.88
0.55%
52.15%
0.74
0.63
0.41%
54.33%
0.59
0.67
11.89%
12.95
9.74%
6.96
0.12%
5.34
36.78%
7.52
33.06%
7.96
1,487.38
0.41
-4.44
0.84
-9.57
0.56
7.25
-0.45
-5.18
-0.16
G.Liquidity ratios

I.Cash flow ratio

95
2010
INVESTMENT BANKS
Analysis of the investment banks revealed that their balance sheet size contracted by 22.7 percent in
FY10 over FY09. The aggregate share capital increased by 3.6 percent. Losses before and after tax
have been Rs. 1.8 billion and Rs. 1.5 billion respectively. Gross revenue witnessed an increase of 9.5
percent during FY10.
Analysis of shareholders equity

Total shareholders equity (SE) was Rs
Shareholders' Equity
3.9 billion in FY09 and Rs 4.8 billion in
CY 09
CY 10
Growth%
15.0
23.2 percent in FY10 over FY09. The
10.0
20%
5.0
15%
volume of Share Capital (SC) was Rs

9.5 billion in FY09 which increased by
around 4 percent in FY10 to reach Rs
9.8 billion.
Billion Rs.
FY10. This shows that SE increased by
25%
23%
0.0
10% 10%
9%
TE
-5.0
SC
RV
UPL
4%
-10.0
5%
0%
Analysis of liabilities
Total liabilities decreased from Rs 32.7 billion in FY09 to Rs 23.3 billion in FY10 witnessing a
decline
of
28.9
percent.
Share
Components of total liabilities
composition of current liabilities and

non-current liabilities to total liabilities
was 76.0 and 24.0 percent in FY10 and
100%
68.7 and 31.3 percent in FY09. In
80%
FY10, current liabilities constituted
60%
almost three fourth shares of the total
40%
liabilities.
Current
were
20%
however
Rs 22.5 billion in FY09
0%
liabilities
decreased by 21.2 percent to reach Rs

17.7 billion in FY10.
96
10.3
5.6
22.5
17.7
CY 09
CY 10
NonCurrent
Liabilities
Current
Liabilites
2010
Analysis of assets
Total assets declined by 22.7 percent during
Current Assets
FY10. In absolute terms it decreased from
25.0
Rs 36.4 billion in FY09 to Rs 28.2 billion in
20.0
Billion Rs.
FY10. Total current assets were Rs 22.4

billion in FY09 and Rs 18.9 billion in FY10,
22.4
21.5
18.9
17.9
15.0
CY 09
10.0
showing a decline of 15.4 percent . Cash and
5.0
bank balances were Rs 0.9 billion in FY09
0.0
CY 10
0.9 1.0
Current Assets Cash & Bank Bal.
(CA)
and Rs 1.0 billion in FY10, showing a
Other CA
growth of 17.0 percent. Other current assets were Rs 21.5 billion and Rs 17.9 billion in FY09 and
FY10, reflecting a decrease of 16.8 percent.
Total non-current assets were Rs 9.3 billion
Non- Current Assets
in FY10 and Rs 14.1 billion in FY09;
CY 09
showing a decline of 34.2 percent in FY10
16.0
over FY09. The main constituent was long-
12.0
Billion Rs.
14.0
term investments which was 33.7 percent of

non current assets and 11.1 percent of total
10.0
8.0
6.0
4.0
2.0
assets in FY10. Long-term investments at Rs
0.0
3.8 billion in FY09 with a decline in growth
CY 10
Growth%
0%
-5%
-10%
-15%
9.3
-17%
-20%
8.0
-25%
-30%
4.8
3.8
-34%
-35%
3.1
2.4
-39% -40%
1.3
-45%
-45%
-50%
Non-Current Fixed Assets Long Trem
Other NCA
Assets
Invt.
14.1
of 17.1 percent, reached Rs 3.1 billion in

FY10. Fixed assets formation in investment banks were 2.4 billion in FY09 and 1.3 billion in FY10.

Gross revenue increased by 9.5 percent to Rs
CY 09
3.1 billion in FY10 from Rs 2.8 billion in
4.0
FY09. The operating expenses consist of
2.0
administrative and other general expenses
0.0
Operating profit at Rs 1.5 billion with a

decline of 15.2 percent in FY10 as against
Growth%
80%
3.3
1.0
1.8 1.5
1.5
54%
2.3
64%
62% 60%
1.0
Billion Rs.
showed an increase of 54.3 percent in FY10.
3.0
CY 10
2.8 3.1
-1.0
-2.0
40%
GR
AMIN
OP
FC
PBT
10%
-1.8
-3.0
-4.0
-5.0
-6.0
PAT
-1.6
-15%
-4.1
-29%
-5.0
20%
0%
-20%
-40%
Rs 1.8 billion in FY09. Operating profit constituted 64.5 percent and 49.9 percent of Gross revenue in
FY09 and FY10 respectively. Finance cost decreased by 28.7 percent to reach Rs 2.3 billion in FY10
97
2010
from Rs 3.3 billion in FY09. Losses of investment banks before taxes and after taxes were Rs 1.8
billion and Rs 1.6 billion respectively in FY10.
Return on equity (ROE), return on capital
employed (ROCE) ,return on assets (ROA) and
0%
-20%
return on revenue (ROR) remained negative in
-40%
FY10.
ROE
ROCE
-17.3%
-32.7%
-60%
ROA
-5.5%
-11.2%
ROR
CY 09
CY 10
-36.1%
-50.5%
-80%
-100%
-120%
-105.2%
-140%
-160%
98
-144.7%
Investment Banks - Overall
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
5,155,301
7,500,397
9,526,688
3,861,474
4,756,276
1.Share capital
2,586,895
4,338,053
7,625,153
9,472,352
9,809,385
2.Reserves
1,605,408
1,916,908
1,752,876
(839,614)
(760,544)
962,998
1,245,436
148,659
(4,771,264)
(4,292,565)
Items
3.Unappropriated profit/loss
4.Others
B.Total liabilities (B1 + B2)

200,502
7,989
(711,925)
(135,740)
141,044
28,271,825
36,518,018
45,556,092
32,722,638
23,278,851
21,864,551
27,018,735
33,856,343
22,467,310
17,698,738
2.Non-current liabilities
6,407,274
9,499,283
11,699,749
10,255,328
5,580,113
C.Total assets (C1+C2)
33,627,628
44,026,404
54,370,855
36,448,372
28,176,171
1.Current assets (a + b)
23,816,284
32,933,616
38,590,037
22,359,537
18,907,608
a.Cash and banks balances

b.Other current assets
1,498,674
4,926,145
1,792,740
879,937
1,029,379
22,317,610
28,007,471
36,797,297
21,479,600
17,878,229
9,811,344
11,092,788
15,780,818
14,088,835
9,268,563
354,830
800,487
1,651,142
2,357,479
1,303,176
b.Long-term investments
8,297,859
7,902,283
9,118,257
3,765,840
3,121,380
c.Other non-current assets
1,158,655
2,390,018
5,011,419
7,965,516
4,844,007
3,838,234
5,554,355
6,599,385
2,808,171
3,075,059
688,830
1,270,194
1,914,881
998,055
1,539,739
3.Operating profit
3,149,404
4,284,161
4,545,526
1,810,116
1,535,320
4.Finance cost
1,817,004
2,571,670
2,977,616
3,259,862
2,324,562
902,613
673,562
694,271
(5,043,689)
(1,811,734)
829,535
693,041
934,899
(4,063,536)
(1,554,038)
249,688
343,804
676,615
857,235
890,939
a.Fixed assets

1.Gross revenue
2.Administartive & operating expenses
E.Other items
1.No. of shares
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(1,925,781)
761,062
(1,530,066)
(992,255)
3,339,947
16.09%
9.24%
9.81%
-105.23%
-32.67%
7.67%
3.96%
3.38%
-36.08%
-17.29%
2.47%
1.57%
1.72%
-11.15%
-5.52%
21.61%
12.48%
14.17%
-144.70%
-50.54%
5.Operating expenses to net income (D2/D6)
83.04%
183.28%
204.82%
-24.56%
-99.08%
3.32
2.02
1.38
-4.74
-1.74
1.09
1.22
1.14
1.00
1.07
0.84
0.83
0.84
0.90
0.83
24.68%
17.95%
16.77%
10.33%
11.08%
15.33%
17.04%
17.52%
10.59%
16.88%
20.65
21.82
14.08
4.50
5.34
-2.32
1.10
-1.64
0.24
-2.15

G.Liquidity ratios
3.Long term investment to total assets (C2b/C)

I.Cash flow ratio

99
Escorts Investment Bank
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
760,269
802,233
851,850
597,403
517,973
1.Share capital
441,000
441,000
441,000
441,000
441,000
2.Reserves
100,454
126,487
154,050
154,050
154,050
218,815
234,746
256,800
2,353
(77,077)
Items
4.Others

(15,402)
(15,402)
7,269
6,824
4,130,890
5,147,829
5,648,593
(3,533)
1,502,971
1,300,221
3,487,924
4,168,563
4,737,057
971,888
876,480
642,966
979,266
911,536
531,083
423,741
4,875,757
5,934,660
6,496,910
2,107,643
1,825,018
4,026,144
5,013,161
5,394,443
1,108,243
849,897
169,720
133,428
306,542
19,478
9,494
3,856,424
4,879,733
5,087,901
1,088,765
840,403
849,613
921,499
1,102,467
999,400
975,121
a.Fixed assets
136,310
143,160
135,383
106,581
90,658
581,132
569,162
556,374
544,938
530,943
132,171
209,177
410,710
347,881
353,520
1.Gross revenue
716,285
841,512
804,919
356,524
182,339
190,467
216,349
238,319
141,833
91,007
3.Operating profit
525,818
625,163
566,600
214,691
91,332
4.Finance cost
111,696
163,248
201,267
92,854
32,267
197,955
141,201
94,512
3,803
(79,598)
186,051
130,164
137,817
(166,247)
(79,430)

E.Other items
1.No. of shares
44,100
44,100
44,100
44,100
44,100
2.Cash dividend
20.00%
20.00%
20.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(513,814)
(454,432)
259,937
(124,831)
182,998
24.47%
16.23%
16.18%
-27.83%
-15.33%
14.26%
8.00%
5.37%
0.33%
-8.39%
3.82%
2.19%
2.12%
-7.89%
-4.35%
25.97%
15.47%
17.12%
-46.63%
-43.56%
102.37%
166.21%
172.92%
-85.31%
-114.58%
4.22
2.95
3.13
-3.77
-1.80
1.15
1.20
1.14
1.14
0.97
0.85
0.87
0.87
0.71
0.71
11.92%
9.59%
8.56%
25.86%
29.09%
15.59%
13.52%
13.11%
28.34%
28.38%
17.24
18.19
19.32
13.55
11.75
-2.76
-3.49
1.89
0.75
-2.30


G.Liquidity ratios

I.Cash flow ratio

100
First Credit and Investment Bank
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
498,227
553,901
557,982
808,568
816,442
1.Share capital
103,984
119,582
400,000
650,000
650,000
2.Reserves
100,150
111,350
114,558
116,089
117,663
294,093
322,969
43,424
42,479
48,779
Items
(5,844)
4.Others

(22,388)
(14,967)
1,271,407
1,510,995
(6,392)
1,179,071
(7,800)
1,014,317
663,249
983,907
1,301,977
1,089,771
1,014,217
533,249
287,500
209,018
89,300
100
130,000
1,763,790
2,058,504
1,729,253
1,800,497
1,464,724
1,129,654
1,279,324
1,000,427
835,328
621,476

16,070
25,187
13,969
31,469
18,898
1,113,584
1,254,137
986,458
803,859
602,578
634,136
779,180
728,826
965,169
843,248
6,308
12,478
9,730
6,943
4,461
514,286
434,867
629,687
788,163
786,088
113,542
331,835
89,409
170,063
52,699
171,119
190,286
178,306
214,296
164,282
25,000
29,860
39,328
46,240
49,064
a.Fixed assets

1.Gross revenue
146,119
160,426
168,056
115,218
4.Finance cost
86,877
102,522
102,461
106,488
81,280
49,566
57,377
24,923
12,751
5,015
47,334
55,673
16,038
7,655
7,874
1.No. of shares
10,398
11,958
44,100
65,000
65,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(185,945)
(208,675)
(12,572)
388,496
351,427
9.50%
10.05%
2.87%
0.95%
0.96%
6.36%
7.58%
3.90%
1.62%
0.54%
2.68%
2.71%
0.93%
0.43%
0.54%
27.66%
29.26%
8.99%
3.57%
4.79%
52.82%
53.64%
245.22%
604.05%
623.11%
4.55
4.66
0.36
0.12
0.12
1.15
0.98
0.92
0.82
1.17
0.72
0.73
0.68
0.56
0.45
29.16%
21.13%
36.41%
43.77%
53.67%
28.25%
26.91%
32.27%
44.91%
55.74%
47.92
46.32
12.65
12.44
12.56
-3.93
-3.75
-0.78
50.75
44.63
3.Operating profit
E.Other items
G.Liquidity ratios

I.Cash flow ratio

101
First Dawood Investment Bank
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,062,270
1,591,618
1,778,996
(403,246)
688,563
1.Share capital
323,799
495,251
569,539
626,493
1,342,326
2.Reserves
617,572
896,450
1,024,030
258,210
333,745
120,899
199,917
185,427
(1,287,949)
(987,508)
Items
160,281
6,869,989
10,626,519
9,285,199
5,655,107
2,527,415
5,437,045
8,829,838
7,102,703
4,339,578
1,309,872
4.Others
(115,445)
(67,871)
1,432,944
1,796,681
2,182,496
1,315,529
1,217,543
8,092,540
12,218,137
11,064,195
5,136,416
3,148,107
5,283,208
10,069,105
8,667,974
3,444,409
2,291,378

182,149
9,404
33,756
194,340
146,587
5,101,059
10,059,701
8,634,218
3,250,069
2,144,791
2,809,332
2,149,032
2,396,221
1,692,007
856,729
17,195
11,974
62,028
85,681
9,432
2,289,706
1,415,586
1,064,499
410,190
22,961
502,431
721,472
1,269,694
1,196,136
824,336
764,243
1,235,302
1,468,881
235,222
292,791
60,660
72,881
97,377
94,049
99,623
3.Operating profit
703,583
1,162,421
1,371,504
141,173
193,168
4.Finance cost
562,596
840,610
980,004
1,128,269
123,891
140,423
178,477
36,112
(1,807,575)
234,253
125,129
179,520
113,655
(1,791,422)
143,423
1.No. of shares
32,380
49,525
56,954
62,649
134,233
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
15.00%
15.00%
10.00%
0.00%
0.00%
(399,771)
846,221
(256,868)
(485,352)
1,190,133
11.78%
11.28%
0.06%
444.25%
20.83%
5.29%
5.27%
0.01%
-226.84%
12.74%
1.55%
1.47%
0.01%
-34.88%
4.56%
16.37%
14.53%
0.08%
-761.59%
48.98%
48.48%
40.60%
0.86%
-5.25%
69.46%
3.86
3.63
2.00
-28.59
1.07
0.97
1.14
1.22
0.79
1.75
0.85
0.87
0.84
1.10
0.80
28.29%
11.59%
0.10%
7.99%
0.73%
13.13%
13.03%
0.16%
-7.85%
21.87%
32.81
32.14
31.24
-6.44
5.13
-3.20
4.71
-2.26
0.27
8.30
a.Fixed assets

1.Gross revenue
E.Other items


G.Liquidity ratios

I.Cash flow ratio

102
IGI Investment Bank Ltd.
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
645,600
1,067,535
2,244,315
1,869,229
1,669,859
1.Share capital
419,175
922,184
2,121,025
2,121,025
2,121,025
2.Reserves
194,423
152,506
136,831
136,831
136,831
32,002
(7,155)
(13,541)
(388,627)
(587,997)
Items
(30,605)
(17,977)
(62,069)
4,683,040
5,599,458
7,649,150
4,681,192
6,628,135
2,922,252
3,425,647
6,040,538
3,991,601
6,010,492
4.Others
(1,767)
(37,305)
1,760,788
2,173,811
1,608,612
689,591
617,643
5,298,035
6,649,016
9,831,396
6,548,654
8,260,689
3,417,271
3,975,682
6,997,249
4,018,714
5,777,258

196,978
269,966
849,863
112,664
214,834
3,220,293
3,705,716
6,147,386
3,906,050
5,562,424
1,880,764
2,673,334
2,834,147
2,529,940
2,483,431
40,369
85,573
112,052
88,449
63,024
1,603,403
1,877,310
2,310,472
1,293,943
1,504,621
236,992
710,451
411,623
1,147,548
915,786
1.Gross revenue
510,529
585,990
764,137
769,368
844,201
141,665
207,995
234,108
208,593
187,760
3.Operating profit
368,864
377,995
530,029
560,775
656,441
4.Finance cost
337,970
482,873
571,086
643,352
667,449
22,814
(79,267)
(45,637)
(450,654)
(386,417)
31,337
(39,157)
(6,386)
375,086
(199,370)
1.No. of shares
41,917
92,218
212,102
212,102
212,102
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
10.00%
0.00%
0.00%
0.00%
0.00%
(52,747)
111,248
(368,225)
157,909
676,242
4.85%
-3.67%
-0.28%
20.07%
-11.94%
0.96%
-2.46%
-1.20%
-17.62%
0.59%
-0.59%
-0.06%
5.73%
-2.41%
6.14%
-6.68%
-0.84%
48.75%
-23.62%
452.07%
-531.18%
-3,665.96%
55.61%
-94.18%
0.75
-0.43
-0.03
1.77
-0.94
1.17
1.16
1.16
1.01
0.96
0.88
0.84
0.78
0.71
0.80
30.26%
28.23%
23.50%
19.76%
18.21%
12.19%
16.06%
22.83%
28.54%
20.21%
15.40
11.58
10.58
8.81
7.87
-1.68
-2.84
57.66
0.42
-3.39
a.Fixed assets
E.Other items

-17.17%
G.Liquidity ratios

I.Cash flow ratio

103
Invest Capital Investment Bank Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
(223,870)
(257,893)
380,238
100,000
100,000
746,424
2,727,669
2,848,669
2,388
2,388
(347,924)
(2,022,076)
(2,022,076)
(326,258)
(360,281)
(18,262)
148,123
(612,320)
186,928
214,154
190,476
144,871
17,189
75,074
64,955
1,457,526
6,848,396
4,841,876
74,713
64,659
1,456,235
4,779,208
3,896,071
853,716
214,273
361
296
1,291
2,069,188
945,805
38,132
21,216
2,028,240
7,846,983
5,073,338
27,987
15,956
1,646,427
5,073,978
3,686,464
210
409
59,435
248,332
483,533
27,777
15,547
1,586,992
4,825,646
3,202,931
10,145
5,260
381,813
2,773,005
1,386,874
a.Fixed assets
1,250
1,109
159,020
946,976
463,409
8,620
4,051
189,738
175,439
128,543
275
100
33,055
1,650,590
794,922


553
3,790
298,511
126,349
636,391
6,584
11,398
211,663
(239,922)
612,798
(6,031)
(7,608)
86,848
366,271
23,593
9,311
1,265
88,794
(60,849)
561,067
(51,253)
(34,004)
(4,521)
175,970
(717,297)
(51,255)
(34,022)
(19,468)
165,350
(761,121)
1.No. of shares
1,000
10,000
74,642
272,767
284,867
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
80,994
(7,895)
(380,013)
374,906
554,605
22.89%
13.19%
-0.05%
19.37%
-355.21%
-60.93%
1.Gross revenue
3.Operating profit
4.Finance cost
E.Other items

140.11%
78.27%
-0.01%
5.74%
-134.41%
-160.36%
-0.01%
2.11%
-15.00%
-9,268.54%
-897.68%
-0.07%
130.87%
-119.60%
-12.85%
-33.50%
-10.87%
-145.10%
-80.51%
-51.26
-3.40
-0.26
0.61
-2.67
0.37
0.25
1.13
1.06
0.95
1.97
3.06
0.72
0.87
0.95
22.61%
19.09%
0.09%
2.24%
2.53%

G.Liquidity ratios

-587.09%
-1,215.56%
0.19%
10.88%
4.22%
-223.87
-25.79
5.09
3.13
0.75
-1.58
0.23
19.52
2.27
-0.73
I.Cash flow ratio

104
J.S. Investments Limited
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,725,826
2,127,826
309,745
361,799
1.Share capital
1,000,000
1,000,000
1,000,000
1,000,000
2.Reserves
109,873
109,873
109,874
725,826
1,017,953
(800,128)
(748,075)
4.Others
(86,152)
126,738
209,831
907,538
2,335,741
1,578,324
1,162,980
135,827
1,686,431
1,016,540
728,049
Items
(161,786)
771,711
649,310
561,784
434,931
2,547,212
4,301,781
2,014,807
1,734,610
2,084,210
3,874,136
1,458,752
1,245,271
80,596
20,433
4,089
5,174
2,003,614
3,853,703
1,454,663
1,240,097
463,002
427,645
556,055
489,339
a.Fixed assets
312,740
247,556
380,722
338,772
37,500
37,500
37,500
150,262
142,589
137,833
113,067
978,464
966,539
175,189
415,687
349,737
441,246
357,291
281,945
3.Operating profit
628,727
525,293
(182,102)
133,742
4.Finance cost
99,094
111,058
291,423
127,403
536,795
426,263
(1,774,022)
28,177
520,543
403,888
(1,721,175)
27,686
1.No. of shares
10,000
10,000
10,000
10,000
2.Cash dividend
0.00%
25.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
261,668
630,000
(1,509,393)
240,613
30.16%
0.19%
-555.67%
7.65%
22.26%
0.16%
-177.71%
2.80%
20.44%
0.09%
-85.43%
1.60%
53.20%
0.42%
-982.47%
6.66%
67.19%
1.09%
-20.76%
1,018.37%
52.05
40.39
-172.12
2.77
15.34
2.30
1.44
1.71
0.36
0.54
0.78
0.67
0.00%
0.01%
1.86%
2.16%
67.75%
0.50%
15.37%
20.86%
172.58
212.78
30.97
36.18
0.50
1.56
0.88
8.69

1.Gross revenue
E.Other items
G.Liquidity ratios

I.Cash flow ratio

105
Security Investment Bank Ltd.
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
650,564
654,086
680,706
488,012
511,929
1.Share capital
428,613
428,613
514,336
514,336
514,336
2.Reserves
116,477
134,326
139,650
139,650
141,611
105,474
91,147
26,720
(165,974)
(144,018)
Items
4.Others

(41,743)
(61,447)
(376,279)
(37,333)
(45,313)
1,726,663
2,209,426
627,119
508,819
296,883
1,722,338
2,204,250
620,833
500,880
296,883
4,325
5,176
6,286
7,939
2,335,484
2,802,065
931,546
959,498
763,499
2,135,405
2,596,093
699,235
738,195
632,472

389,399
102,460
26,255
28,117
7,664
1,746,006
2,493,633
672,980
710,078
624,808
200,079
205,972
232,311
221,303
131,027
1,839
5,747
4,919
3,630
1,813
151,379
151,299
151,220
151,141
51,062
46,861
48,926
76,172
66,532
78,152
233,241
315,726
192,045
64,289
88,186
24,903
33,376
31,435
27,399
33,842
208,338
282,350
160,610
36,890
54,344
45,637
105,050
97,778
26,828
(202,728)
8,708
86,203
89,244
26,619
(192,693)
8,708
1.No. of shares
42,861
42,861
51,434
51,434
51,434
2.Cash dividend
20.00%
0.00%
0.00%
0.00%
0.00%
0.00%
20.00%
0.00%
0.00%
0.00%
104,034
(156,345)
(27,543)
(31,171)
(168,174)
13.25%
13.64%
0.04%
-39.49%
1.70%
17.13%
16.36%
0.09%
-44.20%
1.87%
3.69%
3.19%
0.03%
-20.08%
1.14%
36.96%
28.27%
0.14%
-299.73%
9.87%
28.89%
37.40%
1.18%
-14.22%
388.63%
2.01
2.08
0.52
-3.75
0.17
1.24
1.18
1.13
1.47
2.13
0.74
0.79
0.67
0.53
0.39
6.48%
5.40%
0.16%
15.75%
6.69%
27.86%
23.34%
0.73%
50.86%
67.05%
15.18
15.26
13.24
9.49
9.95
1.21
-1.75
-1.04
0.16
-19.31
a.Fixed assets

1.Gross revenue
3.Operating profit
4.Finance cost
E.Other items

G.Liquidity ratios

I.Cash flow ratio

106
Trust Investment Bank Ltd.
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
974,115
1,016,064
1,095,609
380,731
(24,562)
1.Share capital
407,324
468,423
585,529
585,529
892,029
2.Reserves
287,907
308,517
267,758
267,759
267,758
278,884
239,124
242,322
(472,557)
(1,184,349)
Items
4,318
6,594
5,183,147
5,421,020
7,106,813
6,315,225
5,858,092
3,231,838
2,784,226
4,776,224
4,243,904
4,047,642
4.Others
(270,341)
(220,625)
72,656
1,951,309
2,636,794
2,330,589
2,071,321
1,810,450
6,161,580
6,443,678
7,932,081
6,475,331
5,906,186
3,283,136
3,201,624
3,510,993
4,277,208
3,803,392

149,086
200,947
93,289
158,792
143,195
3,134,050
3,000,677
3,417,704
4,118,416
3,660,197
2,878,444
3,242,054
4,421,088
2,198,123
2,102,794
331,607
45,244
108,061
157,284
110,710
2,763,596
3,018,135
3,420,843
162,976
59,662
69,604
115,858
842,961
1,924,437
1,711,525
732,754
732,403
949,051
694,857
451,182
98,399
165,415
193,656
173,142
183,700
3.Operating profit
634,355
566,988
755,395
521,715
267,482
4.Finance cost
404,423
428,762
538,473
875,119
685,568
221,333
115,547
66,124
(976,389)
(904,575)
202,096
103,047
149,783
(715,226)
(701,808)
a.Fixed assets

1.Gross revenue
E.Other items
1.No. of shares
40,732
46,842
58,553
58,553
89,203
2.Cash dividend
15.00%
15.00%
0.00%
0.00%
0.00%
15.00%
25.00%
0.00%
0.00%
0.00%
(1,090,832)
943,352
(1,211,474)
660,426
312,103
20.75%
10.14%
13.67%
-187.86%
2,857.29%
7.55%
3.16%
2.10%
-43.76%
-48.67%
3.28%
1.60%
1.89%
-11.05%
-11.88%
27.58%
14.07%
15.78%
-102.93%
-155.55%
48.69%
160.52%
129.29%
-24.21%
-26.18%
4.96
2.20
2.56
-12.22
-7.87
1.02
1.15
0.74
1.01
0.94
0.84
0.84
0.90
0.98
0.99
44.85%
46.84%
43.13%
2.52%
1.01%
15.81%
15.77%
13.81%
5.88%
-0.42%
23.92
21.69
18.71
6.50
-0.28
-5.40
9.15
-8.09
-0.92
-0.44

G.Liquidity ratios

I.Cash flow ratio

107
2010
MUTUAL FUNDS (CLOSE ENDED)

Performance of Mutual Funds (close ended) has been encouraging during FY10 as its balance sheet
size slightly expanded by 0.6 percent. Total assets increased from Rs 30.9 billion in FY09 to Rs 31.2
billion in FY10. Net income was Rs. 4.2 billion in FY10 as compared to loss of Rs. 14.0 billion for
FY09.
Analysis of Balance Sheet Components

Certificate holders equity of mutual funds
Components of Balance Sheet
witnessed a decrease of Rs 0.7 billion or 2.7
35
30
25
20
15
10
5
0
increased from Rs 30.9 billion in FY09 to

Rs 31.2 billion in FY10 showing an
Billion Rs.
percent in FY10 over FY09. Total assets
increase of 0.6 percent over FY09. Analysis

revealed that around 85.9 percent of total
assets were in form of investments as
compared to 83.9 percent in FY09.
Total
Liabilities
Total Assets
CY 09
26.1
0.5
31.0
CY 10
25.5
1.0
31.2
Growth%
-2.7%
103.4%
0.6%
percent in FY10, whereas reserves increased
40.0
Billion Rs.
by 36.6 percent. Current assets in form of
registering a decline of around 31.2 percent
120%
100%
80%
60%
40%
20%
0%
-20%
Components of Assets
Certificate holders equity declined by 9.0
3.9 billion in FY09 to Rs 2.7 billion in FY10
0.6%
-2.7%
Total Equity
Components of equity have a mixed trend.
cash and bank balances decreased from Rs
103.4%
30.0
1.1
1.7
others
Investments
20.0
26.0
26.8
3.9
2.7
CY 09
CY 10
10.0
over FY09. Investment increased from Rs
0.0
25.9 billion in FY09 to Rs 26.8 billion in

FY10.
108
Cash & Bank Bal.
2010
Analysis of Profitability
On income side, gross revenue went into
the positive region in FY10 as compared
to FY09. Major Portion of income has
been generated through gain on sales of
investment,
capital
dividend income.
gains
and
from
Profitability/Efficiency Ratios
140%
100%
62.2%
60%
40%
investment which plunged to Rs 4.5
20%
925 million. During FY10, 62.2 percent of
79.6%
80%
Net loss on sale of
billion in FY09 turned into Net gain of Rs
112.9%
120%
43.0%
CY 09
CY 10
13.4%
0%
ROR
-20%
ROA
MER
-40%
-45.2%
-60%
total expenses constituted remuneration to

management/ investment adviser while in FY09 it was around 42.9 percent. Return on assets (ROA)
substantially increased in FY10 to 13.38 percent in contrast to loss in the previous year.
109
Mutual Fund Companies - Overall

Items
1.Certificate holders equity
2.Reserves
4.Others

1.Payable to investment advisor
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
38,100,710
58,234,623
44,087,199
26,147,432
25,454,453
24,499,145
34,686,190
31,455,897
30,670,643
27,918,186
2,931,510
4,796,900
3,853,662
1,470,976
2,010,049
10,670,055
18,751,533
8,777,640
(5,994,187)
(4,473,782)
4,776,429
5,085,455
5,162,631
4,310,912
4,676,789
3,404,224
5,045,161
607,003
510,262
1,038,086
950,020
1,262,039
148,037
109,447
1,302,972
2,454,204
3,783,122
458,966
400,815
(264,886)
C.Total assets (C1 to C3)
46,281,363
68,365,239
49,856,833
30,968,606
31,169,328
1.Cash & bank balances
4,207,838
15,620,627
5,340,247
3,898,511
2,680,698
36,658,407
47,921,836
43,359,823
25,980,030
26,793,633
5,415,118
4,822,776
1,156,763
1,090,065
1,694,997
11,939,793
14,765,320
1,518,537
(12,401,221)
5,239,674
735,023
1,053,983
781,834
833,365
1,994,306
1,572,922
2,090,663
1,758,182
1,566,546
1,179,837
2.Others
2.Investments
3.Others

1.Income (a to g)
a.Markup/interest income
b.Dividend income
c.Income from future transactions
3,493
18,887
(15,000)
3,566
d.Net gain on sale of investments
10,018,902
6,164,020
2,066,257
(4,529,115)
925,541
e.Net unrealized gain/(loss) on investment
(2,466,414)
4,811,814
(3,376,571)
(5,888,409)
(1,360,940)
1,976,666
549,702
267,513
(4,045,573)
2,469,834
99,201
76,251
36,322
(341,601)
31,096
1,420,136
1,672,104
1,449,582
1,593,046
1,067,907
936,294
1,201,308
1,141,061
684,830
664,460
37,596
49,582
45,480
33,104
31,577
f.Capital gain
g.Other income
E.Total expense (E1 to E5)

1.Remuneration to management co-advisor
2.Remuneration to trustees/custodians
3.Brokerage-commission /fee
4.Administrative and general expenses
5.Other
F.Net income for the year (D1-E)
62,569
66,837
36,584
11,325
16,427
327,768
293,098
201,774
847,159
336,380
55,909
61,279
24,683
16,628
19,063
10,519,657
13,093,216
68,955
2,511,368
3,530,072
3,205,297
(13,994,267)
4,171,767
3,143,114
2,867,868
G.Other items
1.No. of units
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
377,468
14,414,193
(2,120,718)
(632,206)
80.67%
78.70%
-67.27%
119.35%
39.42%
0.03%
0.13%
-0.99%
-0.03%
0.00%
3.Return on revenue (ROR) (F/D1)
88.11%
88.68%
4.54%
112.85%
79.62%
4.Return on assets (ROA) (F/C)
22.73%
19.15%
0.14%
-45.19%
13.38%
5.Management expense (E1/E)
65.93%
71.84%
78.72%
6.Net assets value per share (A1/G1)
9.76
9.83
7.Earning per share (F/G1)
4.19
3.71
1.Cash & cash equivalent to total assets (C1/C)
9.09%
7.36%
1,321,602
H.Efficiency ratios/profitability ratios

1.Gain ratio (D1c to D1g)/D1
2.Trading income (D1c/D1)
42.99%
62.22%
9.81
9.76
9.73
0.02
-4.45
1.45
22.85%
10.71%
12.59%
8.60%
7.38%
1.22%
1.65%
3.33%
52.94%
50.74%
63.09%
99.04%
89.57%
0.04
1.10
0.05
0.32
I.Liquidity ratios
J.Capital /leverage ratios

Shareholders equity to total assets (A1/C)
K.Cash flow ratio

Cash generated from operating activities to net income (G4/F) (time)
110
-30.76
Al-Meezan Mutual Fund

Items
2.Reserves
4.Others

2.Others

2.Investments
3.Others
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,028,970
2,218,592
1,906,416
1,174,174
1,403,921
1,196,000
1,196,000
1,375,400
1,375,400
1,375,400
43,064
44,729
43,091
23,571
34,744
789,906
977,863
487,925
(224,797)
(6,223)
43,313
57,915
9,279
10,924
425,272
39,928
38,590
3,221
1,029
2,324
3,385
19,325
6,058
9,895
422,948
2,072,283
2,276,507
1,915,695
1,185,098
1,829,193
29,382
590,523
63,366
35,681
131,182
1,751,781
1,607,032
1,823,099
1,122,298
1,274,965
291,120
78,952
29,230
27,119
423,046
397,393

497,046
594,674
38,615
(543,568)
12,665
21,848
23,993
5,514
9,115
b.Dividend income
89,219
79,505
84,386
75,148
100,701
1.Income (a to g)
465,534
176,243
141,851
(291,658)
185,603
(85,881)
314,974
(194,197)
(332,572)
101,974
15,509
2,104
(17,418)
56,843
47,917
50,153
31,614
41,279
39,928
38,590
41,339
24,446
28,812
2,070
1,308
1,076
641
788
11,499
5,013
3,599
1,240
1,399
4,139
5,287
10,280
3,346
3,006
440,203
546,757
(11,538)
(575,182)
356,114
119,600
119,600
137,540
137,540
137,540
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
18.50%
0.00%
0.00%
0.00%
0.00%
0.00%
(363,127)
919,597
(228,946)
108,214
232,225
79.50%
82.96%
-180.67%
114.84%
72.37%
0.00%
0.00%
0.00%
0.00%
0.00%
88.56%
91.94%
-29.88%
105.82%
89.61%
21.24%
24.02%
-0.60%
-48.53%
19.47%
70.24%
80.54%
82.43%
10.00
10.00
3.68
4.57
1.42%
25.94%
3.31%
3.01%
7.17%
2.09%
2.54%
0.48%
0.92%
23.25%
57.71%
52.54%
71.80%
116.06%
75.19%
-0.82
1.68
19.84
-0.19
0.65
f.Capital gain
g.Other income

5.Other

G.Other items
1.No. of units


77.33%
69.80%
10.00
10.00
10.00
-0.08
-4.18
2.59
I.Liquidity ratios

K.Cash flow ratio

111
Asian Stocks Fund Limited

Items
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
543,268
919,323
795,973
488,553
634,569
900,000
900,000
900,000
900,000
900,000
2.Reserves
(196,714)
105,902
17,795
(62,351)
(160,018)
(86,579)
(121,822)
(349,096)
4.Others

0
(265,431)
14,523
49,171
14,883
2,027
5,160
12,176
14,436
1,493
838
1,050
2,347
34,735
13,390
1,189
4,110
557,791
968,494
810,856
490,580
639,729
10,278
215,653
26,068
2,805
97,700
545,421
740,876
748,744
485,037
536,162
2,092
11,965
36,044
2,738
5,867
(82,691)
96,251
35,503
(138,533)
101,444
11,198
10,806
25,558
22,062
15,503
2.Others
2.Investments
3.Others

1.Income (a to g)
b.Dividend income
(95,469)
72,325

f.Capital gain
g.Other income

0
(2,050)
0
0
(162,473)
0
0
116,881
(42,429)
1,580
13,120
11,995
1,878
11,489
18,217
22,961
25,732
77,166
20,354
15,107
14,436
17,799
10,744
13,101
699
656
3,110
2,982
4,616
65,490
6,580
5,543
3,317
233
17
(100,908)
73,290
9,771
1.No. of units
90,000
90,000
2.Cash dividend
0.00%
0.00%
5.Other
(215,699)
81,090
90,000
90,000
90,000
0.00%
0.00%
0.00%
8.20%
0.00%
0.00%
0.00%
0.00%
87,600
205,375
(186,085)
(24,263)
94,895
113.54%
88.77%
28.01%
115.93%
84.72%
0.00%
0.00%
0.00%
0.00%
0.00%
122.03%
76.14%
27.52%
155.70%
79.94%
-18.09%
7.57%
1.21%
-43.97%
12.68%
82.93%
62.87%
69.17%
10.00
10.00
-1.12
0.81
1.84%
2.60%

G.Other items

13.92%
64.37%
10.00
10.00
10.00
0.11
-2.40
0.90
22.27%
3.21%
0.57%
15.27%
5.08%
1.84%
0.41%
0.81%
161.35%
92.93%
110.99%
183.46%
140.68%
-0.87
2.80
-19.04
0.11
1.17
I.Liquidity ratios

K.Cash flow ratio

112
Atlas Fund of Funds
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
628,660
646,274
592,196
282,816
348,806
525,000
525,000
525,000
525,000
525,000
2.Reserves
103,660
121,274
67,196
Items
4.Others

(242,184)
(176,194)
(157)
(3,377)
15,710
20,831
8,298
2,506
5,913
13,546
15,142
2,314
690
551
2,164
5,689
5,984
1,816
5,362
644,370
667,105
600,494
285,165
351,342
132,831
209,379
76,653
55,973
34,072
2.Investments
377,379
441,048
512,303
226,189
306,439
3.Others
134,160
16,678
11,538
3,003
10,831
77,754
2.Others

120,851
113,164
45,705
(258,159)
40,874
21,344
10,961
5,813
3,166
b.Dividend income
50,439
55,928
49,212
18,348
12,944
1.Income (a to g)
28,231
6,219
9,327
(11,908)
5,848
(845)
29,673
(23,795)
(270,412)
55,002
2,152
794
18,773
16,799
17,784
11,847
11,763
10,546
13,142
14,303
10,136
8,340
957
942
958
629
636
5,904
1,383
839
160
175
1,366
1,332
1,684
922
2,612
102,078
96,365
27,921
(270,006)
65,991
1.No. of units
52,500
52,500
52,500
52,500
52,500
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
2.20%
0.00%
0.00%
0.00%
0.00%
0.00%
281,906
132,912
34,852
22,601
(15,802)
24.44%
31.72%
-31.66%
109.36%
79.28%
0.00%
0.00%
0.00%
0.00%
0.00%
84.47%
85.16%
61.09%
104.59%
84.87%
15.84%
14.45%
4.65%
-94.68%
18.78%
56.18%
78.23%
80.43%
10.00
10.00
1.94
1.84
20.61%
2.44%
f.Capital gain
g.Other income

5.Other

G.Other items


85.56%
70.90%
10.00
10.00
10.00
0.53
-5.14
1.26
31.39%
12.76%
19.63%
9.70%
3.12%
1.38%
0.88%
1.68%
81.47%
78.70%
87.43%
184.10%
149.43%
2.76
1.38
1.25
-0.08
-0.24
I.Liquidity ratios

K.Cash flow ratio

113
First Capital Mutual Fund Limited

Items
2.Reserves
4.Others

2.Others

2.Investments
3.Others
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
176,043
380,281
337,605
203,306
231,229
150,000
300,000
300,000
300,000
300,000
162
25,881
80,281
37,605
(96,694)
(68,771)
5,388
39,790
10,964
6,952
13,857
3,475
6,773
7,436
4,144
4,879
1,913
33,017
3,528
2,808
8,978
181,431
420,071
348,569
210,258
245,086
6,574
50,813
8,752
7,954
70,443
173,923
352,440
336,537
195,890
172,919
934
16,818
3,280
6,414
1,724
56,068
125,582
(30,743)
(126,751)
42,193
1,365
3,981
6,556
10,738
13,650
13,090
10,125

1.Income (a to g)
b.Dividend income
35,997
52,949
23,516
(98,205)
37,839
13,476
58,493
(71,012)
(43,001)
(9,752)
39
3,402
3,103
7,799
11,183
10,847
7,070
13,257
3,475
6,773
7,436
4,144
4,879
135
213
406
364
1,444
2,562
6,934
4,189
4,197
3,005
48,269
114,399
(41,590)
(133,821)
28,936
1.No. of units
15,000
30,000
35,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(4,551)
(75,993)
(12,043)
(797,303)
62,488
88.31%
91.45%
144.40%
111.40%
66.57%
0.00%
0.00%
0.00%
0.00%
0.00%
86.09%
91.10%
135.28%
105.58%
68.58%
26.60%
27.23%
-11.93%
-63.65%
11.81%
44.56%
60.57%
10.00
10.00
3.22
3.81
3.62%
12.10%
2.97%
9.47%
82.68%
-0.09
f.Capital gain
g.Other income

5.Other

G.Other items


68.55%
58.61%
36.80%
8.57
10.00
10.00
-1.19
-4.46
0.96
2.51%
3.78%
28.74%
3.15%
3.31%
5.65%
71.42%
86.07%
142.68%
122.41%
-0.66
0.29
5.96
2.16
I.Liquidity ratios

K.Cash flow ratio

114
First Dawood Mutual Fund

Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
618,101
774,995
752,467
520,984
484,679
505,000
580,750
580,750
580,750
580,750
113,101
194,245
171,717
(59,766)
(96,071)
25,453
24,707
6,590
4,115
2,675
18,289
19,357
1,830
1,289
768,377
7,164
5,350
4,760
2,826
(765,702)
643,554
799,702
759,057
525,099
487,354
20,806
15,515
35,295
25,610
57,811
558,533
567,280
709,017
473,076
413,327
64,215
216,907
14,745
26,413
16,216
2.Others
2.Investments
3.Others

138,992
182,408
67,386
(198,915)
(17,159)
12,154
17,153
19,903
39,950
35,148
b.Dividend income
14,486
14,300
12,421
11,167
11,924
16,837
94,774
(105,574)
(122,098)
(74,375)
f.Capital gain
75,803
42,121
130,808
(127,934)
10,144
g.Other income
19,712
14,060
9,828
25,890
25,514
31,839
20,953
19,147
18,289
19,357
24,113
17,389
13,613
963
990
1,118
939
890
5,397
3,672
4,940
1,415
3,198
1,241
1,495
1,668
1,210
1,446
113,102
156,894
35,547
(219,868)
(36,306)
1.No. of units
50,500
58,075
58,075
58,075
58,075
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(38,568)
(18,939)
9,435
(9,684)
32,200
80.83%
82.76%
52.03%
125.70%
374.33%
0.00%
0.00%
0.00%
0.00%
0.00%
81.37%
86.01%
52.75%
110.53%
211.59%
17.57%
19.62%
4.68%
-41.87%
-7.45%
70.64%
75.87%
75.73%
10.00
10.00
10.00
10.00
10.00
2.24
2.70
0.61
-3.79
-0.63
3.23%
1.94%
4.65%
4.88%
11.86%
3.96%
3.09%
0.87%
0.78%
0.55%
78.47%
72.62%
76.51%
110.60%
119.16%
-0.34
-0.12
0.27
0.04
-0.89
1.Income (a to g)

5.Other
G.Other items


82.99%
71.10%
I.Liquidity ratios

K.Cash flow ratio

115
Golden Arrow Selected Stocks Fund Limited

Items
2.Reserves
4.Others

2.Others

2.Investments
3.Others
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
965,947
1,308,525
1,237,941
831,434
968,463
614,539
614,539
675,993
760,492
760,492
47,496
35,093
21,499
9,751
6,175
303,912
658,893
540,449
61,191
201,796
46,021
41,876
34,883
13,663
13,611
16,028
20,913
2,086
1,575
2,095
29,993
20,963
32,797
12,088
11,516
1,011,968
1,350,401
1,272,824
845,097
982,074
41,627
92,707
56,208
280,115
9,898
956,672
1,237,709
1,203,832
545,849
968,766
13,669
19,985
12,784
19,133
3,410

288,702
447,571
70,037
(374,128)
179,751
11,083
15,484
14,242
29,419
25,792
b.Dividend income
34,327
39,227
48,723
39,639
43,545
(79,047)
168,326
112,428
(238,469)
(64,499)
f.Capital gain
322,239
224,464
(105,356)
(207,810)
174,913
100
70
3,093
24,067
31,136
34,846
20,631
39,146
16,028
20,913
25,768
16,560
20,095
812
465
705
4,524
7,586
6,206
1,753
5,491
3,332
2,101
2,060
1,853
12,855
183
536
264,635
416,435
35,191
(394,759)
140,605
122,908
122,908
122,907
152,098
152,098
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(86,495)
111,243
54,851
234,138
(280,172)
84.27%
87.78%
10.10%
118.46%
61.43%
0.00%
0.00%
0.00%
0.00%
0.00%
91.66%
93.04%
50.25%
105.51%
78.22%
26.15%
30.84%
2.76%
-46.71%
14.32%
66.60%
67.17%
73.95%
5.00
5.00
2.15
3.39
4.11%
4.55%
1.Income (a to g)
g.Other income

5.Other
G.Other items
1.No. of units

80.27%
51.33%
5.50
5.00
5.00
0.29
-2.60
0.92
6.87%
4.42%
33.15%
1.01%
3.10%
2.74%
1.62%
1.39%
60.73%
45.51%
53.11%
89.99%
77.44%
-0.33
0.27
1.56
-0.59
-1.99
I.Liquidity ratios

K.Cash flow ratio

116
JS Growth Fund
Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
5,540,272
5,911,986
5,174,398
2,892,841
2,737,051
3,180,044
3,180,045
3,180,044
3,180,044
3,156,955
506,438
506,438
506,438
506,438
506,438
1,853,790
2,225,503
1,487,916
(793,641)
(926,342)
87,827
(469)
158,525
1,085,395
885,475
118,896
62,417
62,544
72,056
118,292
9,510
5,304
968
1,013,339
767,183
109,386
57,113
61,576
6,625,667
6,797,461
5,381,121
2,954,789
2,958,120
1,111,298
1,811,357
336,439
704,134
738,045
2.Investments
5,344,974
4,810,140
5,006,067
2,224,507
2,188,255
169,395
175,964
38,615
26,148
31,820
(1,603,098)
171,614
2.Others
3.Others

1,449,439
1,563,264
182,796
100,638
50,525
78,858
71,973
b.Dividend income
178,536
224,552
195,864
155,186
117,566
1.Income (a to g)
(269,699)
1,592,010
653,264
(18,642)
(840,680)
134,223
581,637
(497,446)
(996,879)
(153,887)
(503,984)
81
3,173
417
1,739
171,115
150,085
149,884
678,459
148,063
128,665
116,605
116,534
62,198
66,425
6,103
4,261
4,259
2,722
2,849
14,387
17,589
5,827
2,954
3,155
7,576
6,504
18,160
608,230
73,243
14,384
5,126
5,104
2,355
2,391
1,278,324
1,413,179
(419,583)
(2,281,557)
23,551
318,004
318,004
318,004
318,004
315,696
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
459,528
2,129,131
(646,759)
413,864
205,891
f.Capital gain
g.Other income

5.Other

G.Other items
1.No. of units

75.07%
79.20%
191.36%
114.60%
-10.44%
0.00%
0.00%
0.00%
0.00%
0.00%
88.19%
90.40%
155.57%
142.32%
13.72%
19.29%
20.79%
-7.80%
-77.22%
0.80%
75.19%
77.69%
77.75%
9.17%
44.86%
10.00
10.00
10.00
10.00
10.00
4.02
4.44
-1.32
-7.17
0.07
16.77%
26.65%
6.25%
23.83%
24.95%
16.38%
13.03%
2.21%
2.11%
2.11%
48.00%
46.78%
59.10%
107.62%
106.72%
0.36
1.51
1.54
-0.18
8.74


I.Liquidity ratios

K.Cash flow ratio

117
JS Large Capital Fund

Items
2.Reserves
4.Others

2.Others

2.Investments
3.Others
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,402,868
3,926,029
3,919,587
2,056,309
2,152,385
3,295,499
3,295,499
3,295,499
3,295,499
3,295,499
107,369
630,530
624,088
(1,239,190)
(1,143,114)
72
69
1,255
532
130,390
478,371
31,206
18,247
29,501
98,726
84,764
12,313
3,309
479,899
31,664
393,607
18,893
14,938
3,533,330
4,404,469
3,950,793
2,075,811
2,182,418
(450,398)
107,243
1,479,687
255,754
424,356
47,066
3,317,656
2,865,886
3,666,168
1,640,053
2,020,221
108,431
58,896
28,871
11,402
115,131
1,285,674
1,285,919
429,887
(1,803,182)
207,888
112,430
58,417
54,692
68,921
74,431
87,760
106,376
108,497
87,776
88,637

1.Income (a to g)
b.Dividend income
1,085,484
1,121,126
266,698
(1,960,432)
42,972
f.Capital gain
g.Other income
553
1,848
119,763
103,658
106,780
60,096
111,812
80,726
72,763
80,633
46,490
47,561
3,278
3,039
3,278
2,253
2,283

35,207
27,594
22,717
11,353
61,968
552
262
152
1,165,911
1,182,261
323,107
(1,863,278)
96,076
329,550
329,550
329,550
329,550
329,550
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
139,516
1,713,978
(577,930)
170,521
(374,787)
5.Other

G.Other items
1.No. of units

84.43%
87.18%
62.04%
108.69%
21.56%
0.00%
0.00%
0.00%
0.00%
0.00%
90.68%
91.94%
75.16%
103.33%
46.22%
33.00%
26.84%
8.18%
-89.76%
67.40%
70.20%
75.51%
10.00
10.00
3.54
3.59
3.04%
3.69%


4.40%
77.36%
42.54%
10.00
10.00
10.00
0.98
-5.65
0.29
33.60%
6.47%
20.44%
2.16%
10.86%
0.79%
0.88%
1.35%
93.27%
74.82%
83.41%
158.76%
151.00%
0.12
1.45
-1.79
-0.09
-3.90
I.Liquidity ratios

K.Cash flow ratio

118
JS Value Fund
Items
2.Reserves
4.Others

2.Others

2.Investments
3.Others
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,788,998
2,151,044
2,654,320
1,238,901
1,004,473
1,185,750
1,185,750
1,185,750
1,185,750
1,185,750
10,000
10,000
10,000
10,000
10,000
593,248
955,294
1,458,570
43,151
(191,277)
334
1,469
347
50,846
226,432
23,106
17,763
(1,571)
16,885
37,481
38,012
4,152
1,985
102
13,365
188,420
18,954
15,778
16,783
1,840,178
2,378,945
2,677,773
1,255,093
1,021,358
217,140
885,244
758,217
288,313
79,565
1,605,224
1,469,071
1,908,853
959,730
934,113
17,814
24,630
10,703
7,050
7,680

578,185
709,634
922,276
(1,255,689)
(54,766)
60,423
67,195
81,403
54,303
25,588
b.Dividend income
33,954
41,921
28,134
43,563
46,188
1.Income (a to g)
344,435
142,974
538,761
(673,017)
115,167
139,373
457,544
273,978
(680,538)
(241,709)
f.Capital gain
g.Other income
51,151
53,748
64,271
41,154
61,087
37,481
38,012
50,943
31,125
24,801
5,325
4,832
3,525
2,534
2,218
6,342
3,852
2,547
651
5,514
6,351
4,949
32,610
1,352
1,538
905
2,546
1,458
527,034
655,886
858,005
(1,296,843)
(115,853)
118,575
118,575
118,575
118,575
118,575
2.Cash dividend
0.00%
0.00%
0.00%
10.00%
10.00%
0.00%
0.00%
0.00%
0.00%
0.00%
84,556
784,961
333,551
(302,428)
(109,440)
83.68%
84.62%
88.12%
107.79%
231.06%
0.00%
0.00%
0.00%
0.00%
0.00%
91.15%
92.43%
93.03%
103.28%
211.54%
28.64%
27.57%
32.04%
-103.33%
-11.34%
73.28%
70.72%
79.26%
75.63%
10.00
10.00
10.00
4.44
5.53
7.24
11.80%
37.21%
2.76%
9.52%
64.44%
0.16


5.Other
G.Other items
1.No. of units


10.00
40.60%
10.00
-10.94
-0.98
28.32%
22.97%
7.79%
0.86%
1.42%
1.65%
49.84%
44.28%
94.48%
116.10%
1.20
0.39
0.23
0.94
I.Liquidity ratios

K.Cash flow ratio

119
Meezan Balanced Fund

Items
2.Reserves
4.Others

2.Others

2.Investments
3.Others
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,513,204
1,598,166
1,423,683
1,147,792
1,276,119
1,200,000
1,200,000
1,200,000
1,200,000
1,200,000
313,204
398,166
223,683
(52,208)
76,119
215,916
105,133
11,451
18,013
(4,949)
24,105
1,592
51,544
47,908
6,851
4,488
2,112
164,372
57,225
4,600
13,525
21,993
1,729,120
1,703,299
1,435,134
1,160,856
1,301,816
53,138
515,628
10,462
144,241
292,188
1,436,117
951,211
1,398,691
992,205
985,810
239,865
236,460
25,981
24,410
23,818

352,928
380,620
70,836
(117,193)
289,304
19,456
38,658
67,825
64,797
72,337
b.Dividend income
57,073
55,009
38,248
46,319
60,298
1.Income (a to g)
3,493
18,791
(15,000)
315,657
118,118
67,904
(129,163)
111,298
(42,751)
149,823
(88,141)
(99,146)
54,564
f.Capital gain
g.Other income
221
66,360
55,658
53,319
38,698
40,977
44,874
42,906
45,271
32,550
31,114
1,666
1,630
1,688
1,356
1,504
14,516
6,076
3,169
2,670
826
5,304
5,046
3,191
2,122
7,533
286,568
324,962
17,517
(155,891)
248,327
120,000
120,000
120,000
120,000
120,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
15.50%
0.00%
0.00%
0.00%
0.00%
0.00%
21,482
702,383
(211,039)
249,207
260,050

5.Other
0
(9,193)
G.Other items
1.No. of units

78.32%
75.39%
-49.74%
194.81%
54.15%
0.99%
4.94%
-21.18%
0.00%
0.00%
81.20%
85.38%
24.73%
133.02%
85.84%
16.57%
19.08%
1.22%
-13.43%
19.08%
67.62%
77.09%
84.91%
10.00
10.00
2.39
2.71


84.11%
75.93%
10.00
10.00
10.00
0.15
-1.30
2.07
I.Liquidity ratios
3.07%
30.27%
0.73%
12.43%
22.44%
12.49%
6.17%
0.80%
1.55%
1.85%
69.40%
70.45%
83.62%
103.37%
92.18%
0.07
2.16
-1.60
1.05

K.Cash flow ratio

120
-12.05
NAMCO Balanced Fund
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,136,571
1,011,363
721,808
671,964
1,000,000
1,000,000
1,000,000
1,000,000
2.Reserves
136,571
11,363
4.Others
7,438
6,197
69,851
17,350
8,661
15,383
31,124
9,750
3,595
2,904
2.Others
Items
(278,192)
0
(328,036)
38,727
7,600
5,066
12,479
1,206,422
1,036,151
730,469
693,544
228,481
33,924
24,985
126,688
2.Investments
909,601
837,373
625,517
557,838
3.Others
68,340
164,854
79,967
9,018
173,063
16,879
(261,998)
131,625
58,952
43,137
27,373
37,880
b.Dividend income
5,721
29,021
31,339
28,629
79,099
70,164
24,081
(126,937)
f.Capital gain
g.Other income
5,210

1.Income (a to g)
(177,579)
(79,417)
(94,701)
149,514
1,494
(48,430)
(4,981)
36,492
42,086
27,558
31,469
22,114
32,617
22,832
24,423
1,498
1,235
810
773
12,743
7,910
3,025
5,776
5.Other
137
324
891
497
136,571
(25,207)
(289,556)
100,156
1.No. of units
100,000
100,000
100,000
100,000
2.Cash dividend
0.00%
0.00%
0.00%
15.00%
0.00%
0.00%
0.00%
0.00%
(771,519)
(122,371)
(41,409)
216,295
62.63%
-327.50%
122.41%
49.47%
0.00%
0.00%
0.00%
0.00%
78.91%
-149.34%
110.52%
76.09%
11.32%
-2.43%
-39.64%
14.44%
60.60%
77.50%
10.00
1.37
18.94%
5.79%

G.Other items

82.85%
77.61%
10.00
10.00
10.00
-0.25
-2.90
1.00
3.27%
3.42%
18.27%
1.67%
1.19%
2.22%
82.89%
96.51%
136.90%
144.19%
-5.65
4.85
0.14
2.16
I.Liquidity ratios

K.Cash flow ratio

121
PICIC Energy Fund

Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,019,121
1,077,010
1,070,563
859,159
925,613
1,000,000
1,000,000
1,000,000
1,000,000
1,000,000
19,121
77,010
70,563
(140,841)
0
(74,387)
67,970
57,523
12,036
12,126
12,738
40,684
24,293
2,489
2,148
2,314
27,286
33,230
9,547
9,978
10,424
1,087,091
1,134,533
1,082,599
871,285
938,351
476,700
502,776
128,035
48,431
37,179
2.Investments
481,326
617,107
939,203
811,465
897,764
3.Others
129,065
14,650
15,361
11,389
3,408
2.Others

42,221
109,782
113,925
(111,597)
160,159
31,610
52,207
13,595
7,138
13,551
b.Dividend income
14,280
30,330
46,258
69,072
46,631
0
1.Income (a to g)
57,018
37,224
182,949
(60,687)
(12,086)
(128,877)
(39,530)
(71,109)
(148,277)
171,086

f.Capital gain
g.Other income
2,107
23,100
51,893
45,372
29,807
41,328
14,293
31,684
33,571
21,525
29,382
590
1,316
1,370
1,049
1,259

7,395
16,987
8,287
5,090
8,731
822
1,906
2,144
2,143
1,956
19,121
57,889
68,553
(141,404)
118,831
100,000
100,000
100,000
100,000
100,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
10.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(523,300)
26,076
(300,262)
(10,768)
37,740
5.Other

G.Other items
1.No. of units

-8.69%
24.82%
47.46%
168.29%
62.42%
0.00%
0.00%
0.00%
0.00%
0.00%
45.29%
52.73%
60.17%
126.71%
74.20%
1.76%
5.10%
6.33%
-16.23%
12.66%
61.87%
61.06%
73.99%
10.00
10.00
0.19
0.58
43.85%
6.25%
91.99%

72.21%
71.09%
10.00
10.00
10.00
0.69
-1.41
1.19
44.32%
11.83%
5.56%
3.96%
5.07%
1.11%
1.39%
1.36%
88.14%
92.37%
114.77%
106.57%
0.45
-4.38
0.08
0.32
I.Liquidity ratios

K.Cash flow ratio

-27.37
122
PICIC Growth Fund
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
8,906,453
10,496,433
8,291,928
3,530,357
3,944,740
2,835,000
2,835,000
2,835,000
2,835,000
2,835,000
2.Reserves
2,448,984
3,100,296
3,124,897
989,777
1,419,467
3,622,469
4,561,137
2,332,031
(294,420)
4.Others
2,992,500
2,992,500
2,992,500
2,990,500
2,992,500
831,262
702,260
109,291
103,569
196,762
210,407
245,018
18,807
10,871
11,562
Items

(309,727)
620,855
457,242
90,484
92,698
185,200
12,730,215
14,191,193
11,393,719
6,624,426
7,134,002
1,076,158
1,505,326
867,546
296,840
246,157
11,554,398
12,288,687
10,461,354
6,281,453
6,802,156
99,659
397,180
64,819
46,133
85,689
3,621,725
2,127,240
(2,176,540)
769,108
63,712
140,215
68,340
53,639
101,587
519,612
598,242
465,982
442,192
244,075
0
2.Others
2.Investments
3.Others

1.Income (a to g)
b.Dividend income
(291,248)
4,232,009
882,486
184,399
(1,193,622)
498,733
(1,009,969)
(673,200)
(480,082)

f.Capital gain
g.Other income

(2,013,978)
903,509
14
7,564
14,807
19
378,342
338,072
307,733
166,411
206,156
210,407
245,018
249,134
134,143
151,707
6,585
7,458
7,603
4,729
5,168
148,308
77,982
45,795
23,209
44,978
13,042
7,614
5,201
4,330
4,303
3,243,383
1,789,168
(598,981)
(2,342,951)
562,952
283,500
283,500
283,500
283,500
283,500
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
20.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(1,471,342)
1,831,677
973,177
(281,691)
511,400
5.Other

G.Other items
1.No. of units

83.89%
65.29%
283.46%
122.78%
55.06%
0.00%
0.00%
0.00%
0.00%
0.00%
89.55%
84.11%
205.66%
107.65%
73.20%
25.48%
12.61%
-5.26%
-35.37%
55.61%
72.48%
80.96%
10.00
10.00
11.44
6.31
8.45%
10.61%
6.53%
4.95%
22.27%
-0.45

7.89%
80.61%
73.59%
10.00
10.00
10.00
-2.11
-8.26
1.99
7.61%
4.48%
3.45%
0.96%
1.56%
2.76%
19.98%
24.88%
42.80%
39.74%
1.02
-1.62
0.12
0.91
I.Liquidity ratios

K.Cash flow ratio

123
PICIC Investment Fund

Items
2.Reserves
4.Others

2.Others

2.Investments
3.Others
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,672,175
4,190,783
2,944,741
1,677,360
1,828,357
2,841,250
2,841,250
2,841,250
2,841,250
2,841,250
225
225
225
225
225
830,700
1,349,308
103,266
(1,164,115)
(1,013,118)
1,818,295
2,083,126
2,121,000
1,334,801
1,499,878
602,551
381,140
76,448
74,919
150,225
122,463
110,963
8,442
5,020
5,547
480,088
270,177
68,006
69,899
144,678
6,093,021
6,655,049
5,142,189
3,087,080
3,478,460
718,351
783,179
425,377
195,804
187,823
5,334,574
5,637,334
4,684,995
2,852,840
3,248,518
40,096
234,536
31,817
38,436
42,119
1,913,111
1,261,168
(1,187,175)
402,586
38,382
64,227
37,218
28,938
58,058
302,402
260,111
194,769
194,800
126,913
0

1.Income (a to g)
b.Dividend income
(107,405)
1,885,809
660,874
179,034
274,706
(518,426)
(313,482)
(401,392)
(269,243)
f.Capital gain
(1,017,195)
486,850
g.Other income
1,250
7,674
186,063
174,310
144,199
80,206
103,545
122,464
110,963
111,802
62,426
71,816
4,443
4,128
4,170
2,748
3,029

51,339
53,736
24,131
11,700
24,805
7,817
5,483
4,096
3,332
3,895
1,727,048
1,086,858
(251,604)
(1,267,381)
299,041
284,125
284,125
284,125
284,125
284,125
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
10.00%
0.00%
0.00%
0.00%
0.00%
0.00%
1,587,066
1,053,318
628,795
(227,214)
133,363
5.Other

G.Other items
1.No. of units

82.19%
74.28%
315.99%
118.85%
54.05%
0.00%
0.00%
0.00%
0.00%
0.00%
90.27%
86.18%
234.26%
106.76%
74.28%
28.34%
16.33%
-4.89%
-41.05%
65.82%
63.66%
77.53%
10.00
10.00
6.08
3.83
11.79%
11.77%
9.89%
5.73%
46.63%
0.92


8.60%
77.83%
69.36%
10.00
10.00
10.00
-0.89
-4.46
1.05
8.27%
6.34%
5.40%
1.49%
2.43%
4.32%
42.69%
55.25%
92.04%
81.68%
0.97
-2.50
0.18
0.45
I.Liquidity ratios

K.Cash flow ratio

124
Pak Oman Advantage Fund
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,023,307
1,103,750
1,120,468
1,128,690
1,000,000
1,000,000
1,000,000
1,000,000
2.Reserves
23,307
103,750
120,468
128,690
4.Others
3,366
10,970
(36,810)
(16,272)
10,561
9,190
7,614
9,206
9,952
7,639
6,024
3,438
2.Others
Items
609
1,551
1,590
5,768
1,037,234
1,123,910
1,091,272
1,121,624
237,604
254,595
25,386
317,413
2.Investments
647,155
833,058
1,019,328
778,421
3.Others
152,475
36,257
46,558
25,790
27,568
120,221
126,464
1,308,418
18,986
115,526
153,722
1,319,449
b.Dividend income
(13,140)
(9,329)
671
1,952
(14,262)
(1,702)
f.Capital gain
6,472
2,415
g.Other income
1,439
328
144

1.Income (a to g)
4,261
18,273
19,746
26,904
1,832
13,464
13,342
13,478
287
1,230
1,328
1,338
92
191
108
210
2,050
3,353
4,759
7,531
5.Other
35
209
4,347
23,307
101,948
106,718
1,281,514
1.No. of units
100,000
10,000
100,000
100,000
2.Cash dividend
0.00%
0.00%
9.61%
10.38%
0.00%
0.00%
0.00%
0.00%
(762,396)
38,491
(114,209)
388,077
31.13%
3.91%
-21.55%
-0.84%
0.00%
0.00%
0.00%
0.00%
84.54%
84.80%
84.39%
97.94%
2.25%
9.07%
9.78%
114.26%
42.99%
73.68%
67.57%
50.10%
10.00
100.00
10.00
10.00
0.23
10.19
1.07
12.82
22.91%
22.65%
2.33%
28.30%
1.02%
0.82%
0.70%
0.82%
96.41%
88.98%
91.64%
89.16%
-32.71
0.38
-1.07
0.30

G.Other items

I.Liquidity ratios

K.Cash flow ratio

125
Pakistan Premier Fund Limited

Items
2.Reserves
4.Others

2.Others

2.Investments
3.Others
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,576,507
2,910,082
2,414,916
1,392,636
1,749,805
1,476,563
1,476,563
1,698,047
1,698,047
1,698,047
1,099,944
1,433,519
716,869
(305,411)
0
51,758
89,927
60,765
18,345
13,772
14,545
52,591
49,417
4,025
2,321
2,916
37,336
11,348
14,320
11,451
11,629
2,666,434
2,970,847
2,433,261
1,406,408
1,764,350
141,184
532,763
333,407
83,681
31,683
2,511,061
2,423,905
2,079,904
1,307,567
1,644,808
14,189
14,179
19,950
15,160
87,859
403,231

616,168
765,420
(60,576)
(732,752)
41,317
39,807
21,836
18,429
7,354
b.Dividend income
74,863
66,857
105,342
75,957
84,064
78,409
636,305
(262,076)
(713,401)
9,595
417,445
22,451
74,282
(113,737)
285,303
4,134
40
16,915
69,607
62,704
65,449
34,821
46,062
52,591
49,417
52,754
28,797
35,107
2,145
2,134
2,541
1,440
1,818
1.Income (a to g)

f.Capital gain
g.Other income

14,871
11,153
10,154
4,584
9,137
546,561
702,716
(126,025)
(767,573)
357,169
147,656
147,656
169,805
169,805
169,805
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
212,977
391,579
(199,356)
3,381
(51,919)
81.14%
86.06%
309.95%
112.88%
77.33%
0.00%
0.00%
0.00%
0.00%
0.00%
88.70%
91.81%
208.04%
104.75%
88.58%
20.50%
23.65%
-5.18%
-54.58%
20.24%
75.55%
78.81%
80.60%
10.00
10.00
3.70
4.76
5.29%
17.93%
3.37%
2.05%
55.38%
0.39
5.Other

G.Other items
1.No. of units


82.70%
76.22%
10.00
10.00
10.00
-0.74
-4.52
2.10
13.70%
5.95%
1.80%
0.75%
0.98%
0.82%
49.70%
69.78%
120.74%
96.24%
0.56
1.58
0.00
-0.15
I.Liquidity ratios

K.Cash flow ratio

126
Pakistan Strategic Allocation Fund

Items
2.Reserves
4.Others

2.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
4,023,760
4,077,161
3,253,495
2,109,420
2,493,873
3,000,000
3,000,000
3,000,000
3,000,000
3,000,000
1,023,760
1,077,161
253,495
(890,580)
(506,127)
(34,430)
3,173
(37,418)
27,146
37,298
156,993
173,286
35,881
41,865
19,775
142,518
121,170
17,743
10,192
4,228
14,475
52,116
18,138
31,673
15,547
4,146,323
4,253,620
3,251,958
2,178,431
2,550,946
52,439
1,491,689
331,279
181,921
38,860
5,488
535
2,726,308
1,958,958
2,379,527
4,088,396
2,761,396
194,371
37,552
132,559
1,026,100
938,686
52,908
(857,995)
454,023
108,121
97,010
50,842
23,148
74,163
83,389
99,081
153,643
115,611
119,414
2.Investments
3.Others

1.Income (a to g)
b.Dividend income
(373,736)

f.Capital gain
g.Other income

479,921
(320,343)
(523,916)
(29,777)
1,161,179
254,194
165,364
(321,941)
288,515
47,147
8,480
3,402
(150,897)
1,708
170,980
135,285
126,574
76,080
69,570
123,111
106,615
104,899
61,963
55,593
3,336
3,027
3,017
2,140
2,439
44,533
25,643
18,658
11,977
11,538
855,120
803,401
(73,666)
(934,075)
384,453
300,000
300,000
300,000
300,000
300,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(121,831)
1,439,250
(1,160,410)
(149,358)
(140,984)
5.Other

G.Other items
1.No. of units

81.34%
79.11%
-286.49%
116.17%
57.36%
0.00%
0.00%
0.00%
0.00%
0.00%
83.34%
85.59%
-139.23%
108.87%
84.68%
20.62%
18.89%
-2.27%
-42.88%
15.07%
72.00%
78.81%
82.88%
10.00
10.00
2.85
2.68
1.26%
35.07%
3.79%
4.07%
72.35%
-0.14


81.44%
79.91%
10.00
10.00
10.00
-0.25
-3.11
1.28
10.19%
8.35%
1.52%
1.10%
1.92%
0.78%
70.53%
92.25%
137.71%
117.60%
1.79
15.75
0.16
-0.37
I.Liquidity ratios

K.Cash flow ratio

127
Safeway Mutual Fund
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
659,575
1,122,223
884,832
533,528
682,498
544,500
544,500
544,500
544,500
544,500
2.Reserves
(31,805)
211,969
105,678
(6,435)
33,000
146,880
365,754
234,654
(4,537)
104,998
Items
4.Others

2.Others

2.Investments
3.Others
20,663
27,270
7,687
1,934
2,252
17,347
16,614
1,706
915
1,129
3,316
10,656
5,981
1,019
1,123
680,238
1,149,493
892,519
535,462
684,750
9,198
98,877
13,066
1,381
100,373
669,356
1,038,085
846,114
529,901
579,764
1,684
12,531
33,339
4,180
4,613
27,885
253,665
6,554
(170,271)
130,886
1,427
1,731
389
14,828
17,759
31,549
24,816
18,558

1.Income (a to g)
b.Dividend income
3,566
72,187
224,189
110,830
(112,820)
148,272
(63,694)
6,455
(144,856)
(89,352)
(47,083)

f.Capital gain
g.Other income

4,564
5,262
7,604
1,788
10,750
28,520
34,702
28,754
55,308
21,351
17,548
16,614
20,933
11,812
14,119
1,471
804
687
1,254
573
671
3,998
2,772
5,044
41,950
5,864
5.Other
6,974
15,316
52
169
10
(635)
218,963
(22,200)
(225,579)
109,535
1.No. of units
54,450
54,450
54,450
54,450
54,450
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
18.20%
0.00%
0.00%
0.00%
0.00%
0.00%
113,282
89,679
(85,812)
(9,069)
98,992

G.Other items

46.82%
93.00%
-403.14%
115.59%
85.52%
0.00%
0.00%
0.00%
-2.09%
0.00%
-2.28%
86.32%
-338.72%
132.48%
83.69%
-0.09%
19.05%
-2.49%
-42.13%
16.00%
61.53%
47.88%
72.80%
10.00
10.00
-0.01
4.02
1.35%
8.60%
3.04%
2.37%
80.05%
-178.40

21.36%
66.13%
10.00
10.00
10.00
-0.41
-4.14
2.01
1.46%
0.26%
14.66%
0.86%
0.36%
0.33%
47.37%
61.01%
101.69%
79.52%
0.41
3.87
0.04
0.90
I.Liquidity ratios

K.Cash flow ratio

128
UBL Capital Protected Fund-I
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
717,633
787,218
698,585
719,543
2.Reserves
19,048
67,675
4.Others
10,572
17,677
9,300
6,577
2.Others
Items
(84)
1,272
11,100
728,205
804,811
15,462
36,552
2.Investments
104,072
103,860
3.Others
608,671
664,399
41,044
84,222
56,513
60,344
4,460
4,122

1.Income (a to g)
b.Dividend income
(26,995)
36,767
7,066
(17,011)
f.Capital gain
g.Other income
12,028
14,637
8,736
10,094
1,023
1,093
314
1,302
1,678
1,959
5.Other
277
189
29,016
69,585
1.No. of units
69,859
71,954
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
21,090

G.Other items
1,191
-48.56%
23.46%
0.00%
82.62%

0.00%
70.69%
3.98%
8.65%
68.96%
72.63%
10.00
10.00
0.42
0.97
2.12%
4.54%
1.45%
2.20%
95.93%
89.41%
0.04
0.30
I.Liquidity ratios

K.Cash flow ratio

129
2010
MODARABA COMPANIES
Modaraba Companies performed well during FY10. Total assets increased from Rs. 23.3 billion in
FY09 to Rs 24.6 billion in FY10 showing an increase of 5.8 percent over FY09. Total equity
witnessed an increase of 4.1 percent in FY10 over FY09. Profit before and after tax, however
significantly decreased by 36.3 percent & 37.3 percent respectively in FY10.

All major components of the balance
sheet,
i.e.,
assets,
liabilities,
and
billion in FY09 showing an increase of

around 4.1 percent. Total assets at Rs
certificateholders
equity
witnessed
increases in FY10 over FY09. Total

certificate holders equity increased from
Billion Rs.
Rs 11.0 billion in FY09 to Rs 11.5
30.0
25.0
20.0
15.0
10.0
5.0
0.0
7%
6%
4%
Total Equity
Total Liabilities
Total Assets
FY 09
11.0
12.3
23.3
FY 10
11.5
13.1
24.6
Growth
4%
7%
6%
24.6 billion in FY10 increased from 23.3
7%
6%
5%
4%
3%
2%
1%
0%
billion in FY09 reflecting an increase of 5.8 percent in FY10. Reserves increased by 17.4 percent in
FY10. In absolute terms, reserves increased from Rs. 3.6 billion in FY09 to Rs. 4.2 billion in FY10.
The total certificate capital remained same during the year. Long-term investments declined from Rs
4.1 billion in FY09 to Rs. 3.3 billion during the current year.

Goss revenue decreased from Rs 7.0
Operating Profit
Operating Expenses
Gross Revenue

recording a decline of around 9.0 percent
expenses slightly increased by
5.1
percent in FY10 over FY09. Operating
4.8
Billion Rs.
over FY09. On the other hand, operating
15.0
10.0
5.0
2.2
2.4
7.0
6.4
FY 09
FY 10
profit decreased from Rs 4.8 billion to

Rs 4.1 billion in FY10 i.e. a decline of
4.1
0.0
130
2010
15.5 percent over FY09. Profit before tax dropped to Rs 841 million in FY10 as compared to Rs 1.3
billion in FY09, recording a decline of 36.3 percent in FY10 over FY09. Similarly profit after tax also
decreased from Rs 1.3 billion in FY09 to Rs 820.7 million in FY10 registering a decline of around
37.3 percent. Modaraba Cos Management Fees during FY09 was around 1.3 percent of operating
profit while this ratio decreased to 0.3 percent only in FY10.
Return on assets (ROA), return on
FY 10
equity (ROE) and Return on capital

employed (ROCE) witnessed decreases
3.34%
ROA
5.63%
in FY10 over FY09. ROA decreased

from 5.6 percent in FY09 to 3.3 percent
FY 09
5.53%
ROCE
8.62%
in FY10. ROE decreased from 11.9

percent in FY09 to 7.2 percent in FY10.
Similarly, ROCE also decreased from
8.6 percent in FY09 to 5.5 percent in
7.16%
ROE
11.88%
0%
2%
4%
6%
8%
10%
12%
FY10. However breakup value per

certificate increased from Rs 11.8 per certificate in FY09 to Rs. 12.6 per certificate in FY10.
131
14%
Modarba Comapnies - Overall
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
9,292,183
10,275,032
10,890,240
11,012,233
11,458,345
1.Certificate capital
7,031,073
7,079,743
7,422,645
8,303,018
8,303,017
2.Reserves
3,029,634
3,870,413
3,682,816
3,570,915
Items
(768,524)
3.Unappropriated profit
4.Others

1.Current liablities
(675,124)
(215,221)
(861,700)
4,192,902
(1,037,574)
206,104
359,923
498,561
(43,741)
47,715
13,191,629
14,700,635
17,278,012
12,287,499
13,103,314
8,307,110
9,831,839
10,139,280
7,936,146
9,386,758
4,884,519
4,868,796
7,138,732
4,351,353
3,716,556
22,689,916
25,335,590
28,666,813
23,255,991
24,609,374
8,872,772
12,030,150
13,697,734
9,916,632
11,184,808
1,126,857
1,327,204
1,252,489
1,075,340
957,619
7,745,916
10,702,947
12,445,245
8,841,292
10,227,189
13,817,144
13,305,440
14,969,079
13,339,359
13,424,566
a.Fixed assets
5,449,167
4,872,096
7,635,615
7,011,209
7,068,472
4,362,160
4,914,633
4,012,698
4,074,515
3,257,186
4,005,818
3,518,711
3,320,766
2,253,635
3,098,908
1.Gross revenue(loss)
4,101,539
4,831,869
5,849,848
7,046,971
6,412,528
2.Operating expenses
1,427,432
1,684,052
1,907,021
2,236,808
2,350,302
3.Operating profit
2,674,015
3,147,931
3,473,593
4,810,163
4,062,226
4.Modaraba co's management fees
112,624
84,008
35,387
60,712
9,398
554,881
717,275
870,025
1,320,536
841,312
530,336
712,393
852,807
1,308,640
820,723
1,023,451
1,028,372
843,061
930,918
911,917
E.Other items
1.No. of certificates
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(322,220)
662,910
(692,866)
5.71%
6.93%
7.83%
11.88%
7.16%
3.86%
4.63%
4.70%
8.62%
5.53%
2.34%
2.81%
2.97%
5.63%
3.34%
12.93%
14.74%
14.58%
18.57%
12.80%
269.16%
236.39%
223.62%
170.93%
286.37%
7.89%
4.99%
1.86%
2.71%
0.40%
0.52
0.69
1.01
1.41
0.90
1.Current asssets to current liabilities (C1/B1) (times)
1.07
1.22
1.35
1.25
1.19
0.58
0.58
0.60
0.53
0.53
19.23%
19.40%
14.00%
17.52%
13.24%
40.95%
40.56%
37.99%
47.35%
46.56%
9.08
9.99
12.92
11.83
12.57
-0.61
0.93
-0.81
1.36
0.76
-0.04
0.07
-0.07
0.23
0.07
1,786,037
623,885
4.Return on revenue (D6/D1)

6.Management expenses (D4/D2)
7.Earning Per Certificate (D6/E1)
G.Liquidity Ratios

2.Break up value per certificate (A/E1)
I.Cash flow ratio
132
Modaraba Al-Mali
Items
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
265,310
232,220
238,341
211,447
199,045
184,239
182,574
184,240
184,240
184,240
2.Reserves
54,228
54,229
55,453
55,453
55,964
28,508
(6,249)
(1,352)
(28,246)
(41,158)
4.Others

2,371
547
1,039
512
255,468
78,096
69,776
50,926
49,813
206,710
41,870
48,266
36,622
39,349
48,758
36,226
21,510
14,304
10,464
523,149
310,863
309,156
262,885
248,858
342,498
182,599
145,410
63,408
78,431
7,390
45,038
72,278
10,490
1,115
335,108
137,561
73,132
52,918
77,316
180,651
128,264
163,746
199,477
170,427
a.Fixed assets
75,495
73,794
125,644
124,211
131,245
17,952
17,520
27,545
33,104
22,270
87,204
36,950
10,557
42,162
16,912
62,439
57,841
36,620
30,258
61,498
40,990
41,265
38,800
39,655
68,743
3.Operating profit
21,449
16,576
(2,180)
(9,397)
(7,245)
3,164
28,478
(11,727)
6,120
(22,287)
(12,913)
28,478
(11,727)
6,120
(22,287)
(12,913)

E.Other items
18,257
18,424
18,424
18,242
18,242
12.50%
0.00%
2.50%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(158,098)
62,379
98,787
(45,403)
12,776
10.73%
-0.05%
2.57%
-10.54%
-6.49%
9.00%
-0.04%
2.35%
-9.85%
-6.16%
5.44%
-0.04%
1.98%
-8.48%
-5.19%
45.61%
-0.20%
16.71%
-73.66%
-21.00%
143.94%
-3.52%
633.99%
-177.93%
-532.35%
7.72%
0.00%
0.00%
0.00%
0.00%
1.56
-0.64
0.33
-1.22
-0.71
1.66
4.36
3.01
1.73
1.99
0.49
0.25
0.23
0.19
0.20
3.43%
0.06%
8.91%
12.59%
8.95%
50.71%
0.75%
77.09%
80.43%
79.98%
14.53
12.60
12.94
11.59
10.91
-5.55
-5.32
16.14
2.04
-0.99
-0.77
1.49
2.05
-1.24
0.32
2.Cash dividend


G.Liquidity Ratios

I.Cash flow ratio
133
Al-Noor Modaraba
Items
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
289,439
291,395
313,462
296,968
308,442
210,000
210,000
210,000
210,000
210,000
2.Reserves
63,941
67,772
79,628
80,970
83,677
15,498
13,623
23,834
5,998
14,765
(14,889)
(1,697)
(18,622)
(17,272)
(1,568)
57,933
43,407
34,996
21,844
23,995
51,207
35,902
27,556
13,418
17,674
4.Others

6,726
7,505
7,440
8,426
6,321
332,483
333,105
329,836
301,540
330,869
217,139
223,314
205,998
204,296
253,921
9,750
68,461
9,568
24,483
11,400
207,389
154,853
196,430
179,813
242,521
115,344
109,791
123,838
97,244
76,948
a.Fixed assets
61,817
56,456
76,032
42,064
43,338
53,527
53,335
43,966
29,295
18,598
3,840
25,885
15,012
51,357
52,664
67,348
65,620
63,893
7,686
9,225
9,413
11,722
13,925
43,671
43,439
57,935
53,898
49,968
2,439
1,871
3,589
508
21,953
16,839
32,301
4,572
11,267
21,010
16,656
31,991
4,205
11,035
21,000
21,000
21,000
21,000
21,000
2.Cash dividend
7.00%
6.00%
10.00%
0.00%
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
16,323
76,399
7,086
74,367
(9,158)
7.26%
0.06%
10.21%
1.42%
3.58%
7.81%
0.06%
10.69%
1.59%
3.60%
6.32%
0.05%
9.70%
1.39%
3.34%
40.91%
0.32%
47.50%
6.41%
17.27%
36.58%
0.55%
29.42%
278.76%
126.19%
31.73%
0.20%
38.13%
4.33%
0.00%
1.00
0.79
1.52
0.20
0.53
4.24
6.22
7.48
15.23
14.37
0.17
0.13
0.11
0.07
0.07
16.10%
0.16%
13.33%
9.72%
5.62%
87.05%
0.88%
95.04%
98.48%
93.22%
13.78
13.88
14.93
14.14
14.69
0.78
4.59
0.22
17.69
-0.83
0.32
2.13
0.26
5.54
-0.52

3.Operating profit
E.Other items
G.Liquidity Ratios

I.Cash flow ratio
134
Allied Rental Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
871,680
1,059,652
600,000
600,000
2.Reserves
177,942
316,928
93,738
142,724
4.Others
90,000
90,000
311,177
361,219
203,400
316,634
Items

107,777
44,585
1,272,857
1,510,871
182,703
204,600
34,979
87,624
147,724
116,976
1,090,154
1,306,271
a.Fixed assets
980,382
1,219,700
83,642
69,678
16,893
26,130
633,335
829,397
491,197

383,415
3.Operating profit
249,920
338,200
8,597
176,141
277,973
176,141
277,973
60,000
60,000
2.Cash dividend
15.00%
22.50%
0.00%
0.00%
275,140
530,059
20.21%
26.23%
16.47%
23.28%
13.84%
18.40%
33.52%
E.Other items
27.81%
217.68%
176.71%
0.00%
1.75%
4.63
2.94
0.90
0.65
0.24
G.Liquidity Ratios
0.24
6.57%
4.61%
68.48%
70.14%
14.53
17.66
1.56
1.91
1.35
1.67
I.Cash flow ratio
135
B.F. Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
74,378
80,533
87,379
91,058
94,461
51,408
59,119
63,553
68,320
68,320
2.Reserves
11,207
13,054
15,108
16,212
17,232
11,763
8,360
8,718
6,526
8,909
7,991
10,267
5,933
557
7,760
6,803
3,085
3,279
8,688
2,439
5,927
2,862
3,158
8,521
2,193
Items
4.Others

876
223
121
167
246
89,172
93,885
96,591
100,303
104,660
85,337
90,753
95,048
99,061
103,685
29,545
8,235
25,109
15,491
8,008
55,793
82,519
69,939
83,570
95,677
3,835
3,132
1,543
1,242
975
a.Fixed assets
1,180
951
808
1,202
935
2,656
2,181
735
40
40
19,868
10,254
11,014
14,473
11,913
1,464
1,641
1,845
2,201
2,523
18,404
8,613
9,169
12,272
9,390
1,729
773
847
811
15,564
6,958
7,626
7,064
5,438
12,776
6,155
6,846
3,679
3,403
3.Operating profit
E.Other items
5,141
5,912
6,355
6,832
6,832
0.00%
0.00%
0.00%
0.00%
0.00%
15.00%
8.00%
7.50%
0.00%
0.00%
(6,061)
(21,996)
10,527
(1,307)
(13,710)
17.18%
0.08%
7.83%
4.04%
3.60%
18.70%
0.08%
8.16%
7.70%
5.31%
14.33%
0.07%
7.09%
3.67%
3.25%
64.30%
0.60%
62.16%
25.42%
28.57%
2.Cash dividend
11.46%
0.27%
26.95%
59.83%
74.14%
118.12%
0.47%
45.91%
36.85%
0.00%
2.49
1.04
1.08
0.54
0.50
14.40
31.71
30.10
11.63
47.28
0.08
0.03
0.03
0.09
0.02
2.98%
0.02%
0.76%
0.04%
0.04%
83.41%
0.86%
90.46%
90.78%
90.26%
14.47
13.62
13.75
13.33
13.83
-0.47
-3.57
1.54
-0.36
-4.03
-1.02
-7.69
3.33
-0.15
-6.25

G.Liquidity Ratios

I.Cash flow ratio
136
B.R.R. Guardian Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,228,139
1,310,919
1,396,251
823,262
662,028
780,462
780,462
780,462
780,462
780,462
2.Reserves
375,302
455,853
539,522
544,522
544,522
72,375
74,604
76,267
(501,722)
(662,956)
Items
4.Others


196,619
324,222
437,033
(82,842)
(29,134)
2,453,460
2,558,811
2,682,433
2,266,700
3,010,180
1,507,165
1,850,802
1,541,160
1,104,517
1,976,529
946,295
708,009
1,141,273
1,162,183
1,033,651
3,878,218
4,193,952
4,515,717
3,007,120
3,643,074
269,745
1,970,292
2,296,937
1,032,099
1,750,439
99,684
12,950
9,881
66,288
105,242
170,061
1,957,342
2,287,056
965,811
1,645,197
3,608,473
2,223,660
2,218,780
1,975,021
1,892,635
1,372,945
182,585
986,678
505,989
289,635
21,461
136,781
166,024
163,297
2,214,067
1,904,294
1,066,078
1,305,735
1,603,000
883,491
885,526
921,625
557,006
611,108
66,109
91,591
98,877
99,113
102,281
817,382
793,935
822,748
457,893
508,827
14,611
14,582
16,852
131,499
131,241
151,671
502,748
(161,234)
140,468
147,102
151,671
502,748
(161,234)
78,046
78,046
78,046
78,046
78,046
2.Cash dividend
7.00%
8.50%
9.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
160,693
658,968
492,751
497,007
421,836
11.44%
0.11%
10.86%
61.07%
-24.35%
5.55%
0.06%
5.10%
26.42%
-9.67%
3.62%
0.04%
3.36%
16.72%
-4.43%
15.90%
0.17%
16.46%
90.26%
-26.38%
47.06%
0.62%
65.19%
19.71%
-63.44%
22.10%
0.16%
17.04%
0.00%
0.00%
1.80
1.89
1.94
6.44
-2.07
0.18
1.07
1.49
0.93
0.89
0.63
0.61
0.59
0.75
0.83
0.55%
0.03%
3.68%
5.43%
0.00%
31.67%
0.31%
30.92%
27.38%
18.17%
15.74
16.80
17.89
10.55
8.48
1.14
4.48
3.25
0.99
-2.62
0.11
0.36
0.32
0.45
0.21

a.Fixed assets
3.Operating profit
E.Other items

G.Liquidity Ratios

I.Cash flow ratio
137
Constellation Modaraba
Items
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
73,903
75,571
74,736
65,069
67,185
64,625
64,625
64,625
64,625
64,625
2.Reserves
5,679
5,867
5,927
5,928
6,350
3,599
5,079
4,184
(5,484)
(3,790)
4.Others

36,144
6,361
6,573
6,277
7,254
36,144
6,361
6,573
6,277
7,254
110,047
81,932
81,309
71,346
74,439
109,128
25,233
24,595
38,238
41,369

4,937
12,329
21
86
240
104,191
12,904
24,574
38,152
41,129
919
56,699
56,714
33,108
33,070
70
a.Fixed assets
803
699
714
108
116
23,000
23,000
33,000
33,000
33,000
33,000
13,020
8,582
4,357
3,854
7,347
3,806
4,228
332
4,227
4,903
3.Operating profit
9,214
4,354
4,025
(373)
2,444
430
94
30
4,305
937
301
(4,987)
2,223
4,205
894
301
(4,987)
2,118
E.Other items
6,462
6,462
6,462
6,462
6,462
2.Cash dividend
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
5,430
96,056
(17,078)
7,897
162
5.69%
0.01%
0.40%
-7.66%
3.15%
5.83%
0.01%
0.40%
-7.66%
3.31%
3.82%
0.01%
0.37%
-6.99%
2.85%
32.30%
0.10%
6.91%
-129.40%
28.83%
90.51%
4.73%
110.30%
-84.76%
231.49%
11.30%
0.02%
9.04%
0.00%
0.00%
0.65
0.14
0.05
-0.77
0.33
3.02
3.97
3.74
6.09
5.70
0.33
0.08
0.08
0.09
0.10
0.11%
0.28%
28.29%
0.00%
0.00%
67.16%
0.92%
91.92%
91.20%
90.26%
11.44
11.70
11.57
10.07
10.40
1.29
107.45
-56.74
-1.58
0.08
0.15
15.10
-2.60
1.26
0.02
G.Liquidity Ratios

I.Cash flow ratio
138
Crescent Standard Modaraba

Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
108,064
108,602
109,140
110,902
115,926
200,000
200,000
200,000
200,000
200,000
4,288
4,288
4,557
5,438
7,950
(96,224)
(95,686)
(95,417)
(94,536)
(92,024)
(630)
(896)
22,718
23,652
23,108
(1,311)
23,179
44,101
22,718
23,652
23,108
23,179
43,951
150
130,782
132,254
130,937
133,451
159,131
130,782
132,254
130,619
133,451
134,649
316
286
16,088
16,490
20,812
130,466
131,968
114,531
116,961
113,837
318
24,482
a.Fixed assets
318
2,285
22,197
123
178
1,417
4,218
15,068
2,014
646
1,822
1,919
5,983
(1,891)
(468)
(405)
2,299
9,085

3.Operating profit

(5,679)
538
538
1,762
5,024
(5,679)
538
538
1,762
5,024
E.Other items
20,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
1.20%
0.00%
0.00%
0.00%
0.00%
0.00%
(888)
2,770
42,512
32,502
19,282
-5.26%
0.01%
0.49%
1.59%
4.33%
-5.26%
0.01%
0.50%
1.60%
4.36%
-4.34%
0.00%
0.41%
1.32%
3.16%
-4,617.07%
3.02%
37.97%
41.77%
33.34%
-35.46%
1.20%
338.66%
108.91%
119.09%
0.00%
0.00%
0.00%
0.00%
0.00%
-0.28
0.03
0.03
0.09
0.25
5.76
5.59
5.65
5.76
3.06
0.17
0.18
0.18
0.17
0.28
0.00%
0.00%
0.00%
0.00%
0.00%
82.63%
0.82%
83.35%
83.10%
72.85%
5.40
5.43
5.46
5.55
5.80
0.16
5.15
79.02
18.45
3.84
-0.04
0.12
1.84
1.40
0.44
G.Liquidity Ratios

I.Cash flow ratio

139
Elite Capital Modaraba

Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
112,985
123,951
118,182
112,550
117,680
113,400
113,400
113,400
113,400
113,400
(415)
10,551
4,782
(850)
4,280
18,681
18,767
25,553
32,568
37,344
8,050
6,974
12,717
14,290
15,150
10,631
11,793
12,836
18,278
22,194
131,666
142,718
143,735
145,118
155,024
76,765
82,860
67,337
47,099
49,915

9,849
13,665
13,961
10,439
6,480
66,916
69,195
53,376
36,660
43,435
54,901
59,858
76,398
98,019
105,109
1,935
1,712
1,791
1,620
1,758
55,165
20,635
25,371
21,057
20,679
(2,199)
37,511
49,236
75,342
82,672
31,716
30,263
35,809
41,064
48,178
8,161
8,641
10,065
11,123
12,864
23,555
21,622
25,744
29,941
35,314
1,198
1,069
1,095
766
10,782
9,623
9,854
6,893
7,320
10,782
9,623
9,854
6,893
7,320
11,340
11,340
11,340
11,340
11,340
2.Cash dividend
6.00%
6.00%
6.00%
4.50%
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
18,010
23,176
5,755
1,332
(6,079)
9.54%
0.08%
8.34%
6.12%
6.22%
8.72%
0.07%
7.52%
5.27%
5.23%
8.19%
0.07%
6.86%
4.75%
4.72%
34.00%
0.32%
27.52%
16.79%
15.19%
75.69%
0.90%
102.14%
161.37%
175.74%
14.68%
0.12%
10.88%
6.89%
0.00%
0.95
0.85
0.87
0.61
0.65
9.54
11.88
5.30
3.30
3.29
0.14
0.13
0.18
0.22
0.24
41.90%
0.15%
17.65%
14.51%
13.34%
85.81%
0.87%
82.22%
77.56%
75.91%
9.96
10.93
10.42
9.93
10.38
1.67
2.41
0.58
0.19
-0.83
2.24
3.32
0.45
0.09
-0.40
a.Fixed assets
3.Operating profit
E.Other items
G.Liquidity Ratios

I.Cash flow ratio
140
Equity Modaraba
Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
520,165
582,748
574,163
544,464
547,821
524,400
524,400
524,400
524,400
524,400
48,096
66,096
75,543
75,689
74,975
(52,331)
(7,748)
(25,780)
(55,625)
(51,554)
75,717
58,671
64,951
46,040
39,126
75,068
57,732
63,842
45,035
37,729
649
939
1,109
1,005
1,397
595,882
641,419
639,114
590,504
586,947
289,177
287,273
248,798
232,708
232,002

91,613
116,157
52,857
10,757
20,183
197,564
171,116
195,941
221,951
211,819
306,705
354,146
390,316
357,796
354,945
4,653
12,460
16,964
15,189
19,051
286,485
297,036
309,231
278,917
278,133
15,567
44,650
64,121
63,690
57,761
(170,903)
39,582
26,155
22,801
25,877
30,938
20,399
20,966
20,946
23,136
(201,841)
19,183
5,189
1,855
2,741
a.Fixed assets
3.Operating profit

(199,044)
19,810
7,566
346
(591)
(202,793)
18,000
7,367
146
(714)
52,440
52,440
52,440
52,440
52,440
2.Cash dividend
0.00%
2.50%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(65,362)
63,664
(30,463)
(30,679)
13,607
-38.99%
0.03%
1.28%
0.03%
-0.13%
-38.22%
0.03%
1.32%
0.06%
-0.11%
-34.03%
0.03%
1.15%
0.02%
-0.12%
118.66%
0.46%
28.17%
0.64%
-2.76%
E.Other items
-15.26%
1.13%
284.59%
14,346.58%
-3,240.34%
0.00%
0.00%
0.00%
0.00%
0.00%
-3.87
0.34
0.14
0.00
-0.01
3.85
4.98
3.90
5.17
6.15
0.13
0.09
0.10
0.08
0.07
48.08%
0.46%
48.38%
47.23%
47.39%
87.29%
0.91%
89.84%
92.20%
93.33%
9.92
11.11
10.95
10.38
10.45
0.32
3.54
-4.14
-210.13
-19.06
-0.87
1.10
-0.48
-0.68
0.36
G.Liquidity Ratios

I.Cash flow ratio

141
Fidelity Leasing Modaraba

Items
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
342,360
348,724
351,545
326,707
342,360
264,138
264,138
264,138
264,138
264,138
2.Reserves
51,793
58,005
58,064
61,914
51,793
26,429
26,581
29,343
655
26,429
4.Others

235,113
168,041
142,696
131,052
235,113
163,313
101,047
60,781
69,246
163,313
71,800
66,994
81,915
61,806
71,800
577,473
516,765
494,241
457,759
577,473
191,525
204,416
155,691
105,432
191,525
15,468
40,429
34,160
5,469
15,468
176,057
163,987
121,531
99,963
176,057
385,948
312,349
338,550
352,327
385,948
221,392
158,927
181,426
105,765
221,392
24,552
20,158
57,195
59,881
24,552
140,004
133,264
99,929
186,681
140,004
130,860
82,616
118,948
71,449
130,860
98,067
22,106
24,960
21,077
98,067
3.Operating profit
32,793
60,510
93,988
50,372
32,793
2,929
3,689
4,631
29,293
33,207
41,680
(2,580)
29,293
27,831
33,207
41,680
(2,274)
27,831

a.Fixed assets
E.Other items
26,413
26,413
26,413
26,413
26,413
10.00%
10.00%
10.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
62,638
34,622
(8,589)
15,893
62,638
8.13%
0.10%
11.86%
-0.70%
8.13%
7.07%
0.08%
9.62%
-0.66%
7.07%
4.82%
0.06%
8.43%
-0.50%
4.82%
21.27%
0.40%
35.04%
-3.18%
21.27%
352.37%
0.67%
59.88%
-926.87%
352.37%
2.99%
0.17%
18.55%
0.00%
0.00%
1.05
1.26
1.58
-0.09
1.05
1.17
2.02
2.56
1.52
1.17
0.41
0.33
0.29
0.29
0.41
4.25%
0.04%
11.57%
13.08%
4.25%
59.29%
0.68%
71.13%
71.37%
59.29%
12.96
13.20
13.31
12.37
12.96
2.25
1.04
-0.21
-6.99
2.25
0.38
0.34
-0.14
0.23
0.38
2.Cash dividend

G.Liquidity Ratios

I.Cash flow ratio
142
First Imrooz Modaraba
2010
2006
2007
2008
(Thousand Rupees)
2009
2010
86,680
96,064
92,442
102,508
112,178
30,000
30,000
30,000
30,000
30,000
2.Reserves
39,092
44,089
47,123
49,329
55,043
17,588
21,975
15,319
23,179
27,135
Items
4.Others

96,539
48,870
115,434
83,809
112,811
93,370
45,296
110,573
76,989
104,671
3,169
3,574
4,861
6,820
8,140
183,219
144,934
207,876
186,317
224,989
177,398
139,880
201,130
180,878
216,965
22,567
45,180
57,750
48,054
6,888
154,831
94,700
143,380
132,824
210,077
5,821
5,054
6,746
5,439
8,024
5,803
5,041
6,746
5,248
7,535
18
13
191
489
60,243
56,033
51,205
58,779
78,068
20,639
18,709
20,795
22,507
25,521
3.Operating profit
39,604
37,324
30,410
36,272
52,547
2,997
2,931
2,712
2,607
39,821
38,938
31,185
29,982
48,341
20,621
24,983
15,167
22,065
28,570

a.Fixed assets
E.Other items
3,000
3,000
3,000
3,000
3,000
52.00%
65.00%
40.00%
63.00%
76.00%
0.00%
0.00%
0.00%
0.00%
0.00%
33,960
62,081
9,214
13,745
(40,221)
2.Cash dividend

23.79%
0.26%
0.16%
21.53%
25.47%
44.32%
0.39%
0.32%
27.42%
40.18%
11.26%
0.17%
0.07%
11.84%
12.70%
34.23%
0.45%
0.30%
37.54%
36.60%
100.09%
0.75%
1.37%
102.00%
89.33%
14.52%
0.16%
0.13%
11.58%
0.00%
6.87
8.33
5.06
7.36
9.52
1.90
3.09
1.82
2.35
2.07
0.53
0.34
0.56
0.45
0.50
0.00%
0.00%
0.00%
0.00%
0.00%
47.31%
0.66%
0.45%
55.02%
49.86%
28.89
32.02
30.81
34.17
37.39
1.65
2.49
0.61
0.62
-1.41
0.36
1.37
0.08
0.18
-0.38

G.Liquidity Ratios

I.Cash flow ratio
143
Habib Bank Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
650,643
663,466
620,804
621,226
647,617
397,072
397,072
397,072
397,072
397,072
2.Reserves
253,571
266,394
223,732
224,154
250,545
Items
4.Others


565,794
545,629
528,289
205,939
116,413
365,102
343,016
347,426
120,604
48,682
200,692
202,613
180,863
85,335
67,731
1,216,437
1,209,095
1,149,093
827,165
764,030
131,981
193,927
92,060
69,097
168,824
10,068
18,385
9,514
4,073
25,003
121,913
175,542
82,546
65,024
143,821
1,084,456
1,015,168
1,057,033
758,068
595,206
680
1,347
1,048,156
757,915
543,875
50,000
40,370
8,125
51,179
1,033,776
973,451
752
153
152
497,819
568,972
494,439
497,327
405,588
6,336
8,936
9,137
9,522
10,233
491,483
560,036
485,302
487,805
395,355
5,597
5,820
2,334
2,198
50,370
52,377
21,012
19,779
44,976
50,370
52,377
21,012
19,779
44,976
a.Fixed assets
3.Operating profit
E.Other items
39,707
39,707
39,707
39,707
39,707
12.00%
13.00%
5.00%
5.00%
11.00%
0.00%
0.00%
0.00%
0.00%
0.00%
62,248
58,259
41,654
334,985
287,475
7.74%
0.08%
3.38%
3.18%
6.94%
5.92%
0.06%
2.62%
2.80%
6.29%
4.14%
0.04%
1.83%
2.39%
5.89%
10.12%
0.09%
4.25%
3.98%
11.09%
12.58%
0.17%
43.48%
48.14%
22.75%
88.34%
0.65%
25.54%
23.08%
0.00%
1.27
1.32
0.53
0.50
1.13
0.36
0.57
0.26
0.57
3.47
0.47
0.45
0.46
0.25
0.15
4.11%
0.03%
0.71%
0.00%
6.70%
53.49%
0.55%
54.03%
75.10%
84.76%
16.39
16.71
15.63
15.65
16.31
1.24
1.11
1.98
16.94
6.39
0.17
0.17
0.12
2.78
5.91
2.Cash dividend
G.Liquidity Ratios

I.Cash flow ratio
144
Habib Modaraba
Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,795,312
2,497,691
2,846,818
2,618,148
2,892,195
504,000
504,000
1,008,000
1,008,000
1,008,000
1,189,586
1,888,247
1,619,090
1,407,211
1,668,921
101,726
105,444
219,728
202,937
215,274
2,094,533
2,503,211
1,178,832
663,054
883,008
1,531,279
1,811,583
778,516
527,696
725,861
563,254
691,628
400,316
135,358
157,147
3,889,845
5,000,902
4,025,650
3,281,202
3,775,203
1,136,053
1,808,282
1,303,313
1,163,360
1,299,651
73,492
125,153
150,213
302,136
212,337
1,062,561
1,683,129
1,153,100
861,224
1,087,314
2,753,792
3,192,620
2,722,337
2,117,842
2,475,552
2,752,172
3,191,309
2,713,543
2,103,719
2,435,300
1,407
1,164
1,211
80
1,560
213
147
7,583
14,043
38,692
1,206,401
1,502,963
1,666,786
1,666,234
1,348,643
970,636
1,248,616
1,390,608
1,357,193
1,078,809
3.Operating profit
235,765
254,347
276,178
309,041
269,834
15,675
16,590
(29,873)
27,068
141,078
149,310
268,855
243,613
267,421
141,078
149,310
268,855
243,613
267,421
100,800
100,800
201,600
201,600
201,600
2.Cash dividend
20.00%
20.00%
21.00%
20.00%
21.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(589,067)
(232,787)
559,621
805,462
(102,404)
7.86%
5.98%
9.44%
9.30%
9.25%
5.98%
4.68%
8.28%
8.85%
8.77%
3.63%
2.99%
6.68%
7.42%
7.08%
11.69%
9.93%
16.13%
14.62%
19.83%
688.01%
836.26%
517.23%
557.11%
403.41%
1.62%
1.33%
-2.15%
1.99%
0.00%
1.40
1.48
1.33
1.21
1.33
0.74
1.00
1.67
2.20
1.79
0.54
0.50
0.29
0.20
0.23
0.04%
0.02%
0.03%
0.00%
0.04%
46.15%
49.94%
70.72%
79.79%
76.61%
17.81
24.78
14.12
12.99
14.35
-4.18
-1.56
2.08
3.31
-0.38
-0.39
-0.13
0.72
1.53
-0.14

a.Fixed assets
E.Other items


G.Liquidity Ratios

I.Cash flow ratio
145
IBL Modaraba
Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
160,177
164,437
171,959
239,066
247,982
116,875
116,875
116,875
201,875
201,875
43,302
35,409
48,348
31,892
39,142
12,153
6,736
5,299
6,965
85,000
44,476
42,819
17,568
130,802
131,900
44,128
42,458
3,695
126,999
127,681
348
361
13,873
3,803
4,219
204,653
207,256
274,527
369,868
379,882
203,829
193,396
215,711
307,893
338,249
123,612
18,683
21,956
1,144
1,058
80,217
174,713
193,755
306,749
337,191
824
13,860
58,816
61,975
41,633
799
993
27,405
22,935
4,248
12,842
7,809
25
25
31,411
31,231
37,385
15,677
17,168
25,619
34,037
60,205
5,772
5,068
13,680
13,474
40,739
3.Operating profit
9,905
12,100
11,939
20,563
19,466
596
905
546
183
5,361
8,144
4,916
1,644
2,082
7,255
8,144
4,916
1,644
2,082
11,687
11,687
11,687
20,188
20,188
2.Cash dividend
7.00%
8.00%
5.00%
3.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
90,371
(83,692)
(25,767)
9,496
(1,693,834)
4.53%
0.05%
2.86%
0.69%
0.84%
3.34%
0.05%
1.82%
0.68%
0.83%
3.55%
0.04%
1.79%
0.44%
0.55%
46.28%
0.47%
19.19%
4.83%
3.46%
79.56%
0.62%
278.28%
819.59%
1,956.72%
10.33%
0.18%
3.99%
1.36%
0.00%
0.62
0.70
0.42
0.08
0.10
4.62
4.56
58.38
2.42
2.65
0.22
0.21
0.06
0.35
0.35
0.00%
0.06%
0.00%
2.11%
0.00%
78.27%
0.79%
62.64%
64.64%
65.28%
13.71
14.07
14.71
11.84
12.28

a.Fixed assets
E.Other items
G.Liquidity Ratios

I.Cash flow ratio

146
12.46
-10.28
-5.24
5.78
-813.56
2.05
-1.97
-6.97
0.07
-13.27
KASB Modaraba
Items
2.Reserves
4.Others

2010
2006
2007
2008
(Thousand Rupees)
2009
2010
50,646
52,872
42,716
258,322
275,418
83,160
83,160
83,160
282,744
282,744
8,288
8,733
8,734
11,938
20,486
(40,802)
(39,021)
(49,178)
(36,360)
(27,812)
38
19,958
(665)
2,477
1,892
169,833
185,191
678,915
1,009
1,398
80,309
159,906
665,904
1,468
494
89,524
25,285
13,011
53,161
54,764
232,507
443,513
953,668
48,050
53,111
125,038
302,421
762,537
11,104
42,795
33,845
128,714
59,225
36,946
10,316
91,193
173,707
703,312
5,111
1,653
107,469
141,092
191,131
801
556
1,803
7,643
8,089
17,020
19,342
4,310
1,097
105,666
116,429
163,700
2,328
5,329
10,700
41,990
87,585
1,984
2,220
14,516
18,118
24,895
344
3,109
(3,816)
23,872
62,690
227
1,780
(770)
2,047
7,428
16,023
17,096
(814)
2,227
8,078
16,023
17,096
a.Fixed assets
3.Operating profit
E.Other items
8,316
8,316
8,316
28,274
28,274
2.Cash dividend
0.00%
2.50%
0.00%
0.00%
2.80%
0.00%
0.00%
0.00%
0.00%
0.00%
(28,747)
11,264
(174,184)
(4,931)
(529,121)
-1.61%
0.04%
18.91%
6.20%
6.21%
-1.48%
0.04%
4.88%
5.65%
5.94%
-1.53%
0.04%
3.47%
3.61%
1.79%
-34.97%
0.42%
75.50%
38.16%
19.52%
-243.74%
1.00%
179.70%
113.07%
145.62%
0.00%
0.10%
0.00%
9.82%
0.00%
-0.10
0.27
0.97
0.57
0.60
47.62
37.99
1.56
1.89
1.15
0.05
0.04
0.73
0.42
0.71
0.00%
0.00%
0.00%
3.84%
2.03%
95.27%
0.97%
18.37%
58.24%
28.88%
6.09
6.36
5.14
9.14
9.74
35.32
5.06
-21.56
-0.31
-30.95
8.06
-2.17
-0.03
-0.79
G.Liquidity Ratios

I.Cash flow ratio

-28.49
147
National Bank Modaraba

Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
295,362
313,090
319,530
305,305
331,540
250,000
250,000
250,000
250,000
250,000
45,362
63,090
24,906
27,061
32,308
44,624
28,244
49,232
(13,057)
(16,822)
1,779,232
1,888,405
2,472,502
2,121,959
1,429,718
862,822
1,233,699
1,640,342
1,410,556
1,153,656
916,410
654,706
832,160
711,403
276,062
2,074,594
2,201,495
2,778,975
2,410,442
1,761,258
1,199,247
1,238,069
1,599,576
1,450,753
1,024,130

13,476
6,795
12,265
13,879
5,019
1,185,771
1,231,274
1,587,311
1,436,874
1,019,111
875,347
963,426
1,179,399
959,689
737,128
1,275
853
1,998
211,516
2,016
869,231
959,733
1,176,562
748,173
61,425
4,841
2,840
839
673,687
154,362
222,132
227,964
352,479
370,064
12,794
14,119
16,432
66,634
134,157
141,568
208,013
211,532
285,845
235,907
3,382
4,613
3,529
1,197
30,438
41,516
31,763
10,775
26,234
30,438
41,516
31,763
10,775
26,234
a.Fixed assets
3.Operating profit
E.Other items
25,000
25,000
25,000
25,001
25,000
10.00%
12.00%
10.00%
0.00%
10.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(634,595)
100,973
398,409
(398,408)
833,512
10.31%
0.13%
9.94%
3.53%
7.91%
2.51%
0.04%
2.79%
1.08%
4.32%
1.47%
0.02%
1.14%
0.45%
1.49%
19.72%
0.19%
13.93%
3.06%
7.09%
42.03%
0.34%
51.73%
618.41%
511.39%
26.43%
0.33%
21.48%
1.80%
0.00%
1.22
1.66
1.27
0.43
1.05
1.39
1.00
0.98
1.03
0.89
0.86
0.86
0.89
0.88
0.81
41.90%
0.44%
42.34%
31.04%
3.49%
14.24%
0.14%
11.50%
12.67%
18.82%
11.81
12.52
12.78
12.21
13.26
-20.85
2.43
12.54
-36.98
31.77
-0.74
0.08
0.24
-0.28
0.72
2.Cash dividend

G.Liquidity Ratios

I.Cash flow ratio

148
Pak Modaraba
Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
91,375
97,552
96,920
59,416
66,313
125,400
125,400
125,400
125,400
125,400
14,226
16,521
15,710
15,466
18,225
(48,251)
(44,369)
(44,190)
(81,450)
(77,312)
4,545
5,650
5,240
4,784
5,373
4,015
4,836
3,932
4,175
4,939
530
814
1,308
609
434
95,920
103,202
102,160
64,200
71,686
92,503
98,369
96,590
60,771
69,968
31,308
52,956
44,470
1,532
37,759
61,195
45,413
52,120
59,239
32,209
3,417
4,833
5,570
3,429
1,718
197
707
212
80
124
2,573
4,401
137
220
5,490
3,305
1,521
5,804
11,254
14,282
3,574
9,328
4,787
4,796
3,319
3,579
4,646
3.Operating profit
1,017
6,458
10,963
(5)
4,682
719
490
a.Fixed assets

(1,773)
6,469
6,121
33,498
7,162
(1,773)
6,469
5,631
33,498
6,897
E.Other items
12,540
12,540
12,540
12,540
12,540
2.Cash dividend
0.00%
3.00%
3.00%
0.00%
3.00%
0.00%
0.00%
0.00%
0.00%
0.00%
1,755
4,217
(6,315)
(45,608)
19,167
-1.94%
0.07%
5.81%
56.38%
10.40%
-1.93%
0.07%
6.23%
55.81%
10.73%
-1.85%
0.06%
5.51%
52.18%
9.62%
-30.55%
0.58%
39.43%
937.27%
73.94%
-269.99%
0.74%
58.94%
10.68%
67.36%
0.00%
0.15%
14.76%
0.00%
0.00%
-0.14
0.52
0.45
2.67
0.55
23.04
20.34
24.57
14.56
14.17
0.05
0.06
0.05
0.07
0.07
2.68%
0.04%
0.00%
0.00%
0.00%
95.26%
0.95%
94.87%
92.55%
92.50%
7.29
7.78
7.73
4.74
5.29
-0.99
0.65
-1.12
-1.36
2.78
0.44
0.87
-1.61
-10.92
3.88
G.Liquidity Ratios

I.Cash flow ratio

149
Paramount Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
83,746
103,047
108,957
118,845
126,764
58,633
58,633
58,633
58,633
58,633
2.Reserves
16,140
37,521
41,229
50,277
56,127
8,973
6,893
9,095
9,935
12,004
Items
4.Others

22,233
62,145
96,827
88,614
100,795
19,530
45,490
78,899
87,095
47,777
2,703
16,655
17,928
1,519
53,018
105,979
165,192
205,784
207,459
227,559
66,785
79,873
107,105
124,783
131,394
22,901
10,504
37,777
17,113
30,310
43,884
69,369
69,328
107,670
101,084
39,194
85,319
98,679
82,676
96,165
18,176
29,347
53,122
53,830
59,510
3,063
3,126
3,577
3,126
6,784
29,071
41,272
20,040
77,986
19,278
17,461
28,339
39,194
23,536
5,086
5,184
6,936
6,679
8,500
14,192
12,277
21,403
32,515
15,036
1,307
934
1,373
2,011
11,761
8,408
12,359
18,098
16,713
11,731
8,394
12,359
18,098
16,713
a.Fixed assets
3.Operating profit
E.Other items
5,863
5,863
5,863
5,863
5,863
15.00%
11.00%
14.00%
15.00%
18.00%
0.00%
0.00%
0.00%
0.00%
0.00%
17,316
14,646
33,147
25,305
19,587
2.Cash dividend

14.01%
0.08%
11.34%
15.23%
13.18%
13.61%
0.07%
9.74%
15.04%
9.30%
11.07%
0.05%
6.01%
8.72%
7.34%
60.85%
0.48%
43.61%
46.18%
71.01%
43.36%
0.62%
56.12%
36.90%
50.86%
25.70%
0.18%
19.80%
30.11%
0.00%
2.00
1.43
2.11
3.09
2.85
3.42
1.76
1.36
1.43
2.75
0.21
0.38
0.47
0.43
0.44
2.89%
0.02%
1.74%
1.51%
0.00%
79.02%
0.62%
52.95%
57.29%
55.71%
14.28
17.58
18.58
20.27
21.62
1.48
1.75
2.68
1.40
1.17
0.89
0.32
0.42
0.29
0.41
G.Liquidity Ratios

I.Cash flow ratio
150
Prudential Modaraba
Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
532,264
586,655
601,944
601,944
505,488
872,177
872,177
872,177
872,177
872,177
88,199
99,077
113,586
113,586
120,245
(428,112)
(384,599)
(383,819)
(383,819)
(486,934)
(1,265)
(1,311)
121,806
136,092
151,660
151,660
63,615
35,963
49,750
90,195
90,195
44,549
85,843
86,342
61,465
61,465
19,066
652,805
721,436
753,604
753,604
569,103
274,141
403,681
498,192
498,192
429,512

83,847
191,801
161,758
161,758
73,432
190,294
211,880
336,434
336,434
356,080
378,664
317,755
255,412
255,412
139,591
85,179
5,455
3,265
1,877
1,877
27,292
22,965
6,809
6,809
7,277
345,917
291,525
246,726
246,726
47,135
124,827
130,838
148,549
148,549
87,636
24,880
19,657
17,934
17,934
52,994
3.Operating profit
99,947
111,181
130,615
130,615
34,642
2,208
6,043
4,653
4,653
21,258
55,519
41,788
41,788
32,835
20,894
54,391
41,455
41,455
33,293
87,218
87,218
87,218
87,218
87,218
2.Cash dividend
0.00%
3.00%
3.00%
0.00%
3.00%
0.00%
0.00%
0.00%
0.00%
0.00%
105,126
112,019
(17,336)
(17,336)
90,373
3.93%
0.09%
6.89%
6.89%
6.59%
3.45%
0.08%
6.30%
6.30%
6.26%
3.20%
0.08%
5.50%
5.50%
5.85%
16.74%
0.42%
27.91%
27.91%
37.99%
119.08%
0.36%
43.26%
43.26%
159.17%
8.88%
0.31%
25.95%
25.95%
0.00%
0.24
0.62
0.48
0.48
0.38
7.62
8.11
5.52
5.52
9.64
0.19
0.19
0.20
0.20
0.11
4.18%
0.03%
0.90%
0.90%
1.28%
81.54%
0.81%
79.88%
79.88%
88.82%
6.10
6.73
6.90
6.90
5.80
5.03
2.06
-0.42
-0.42
2.71
2.92
2.25
-0.19
-0.19
2.03
a.Fixed assets
E.Other items

G.Liquidity Ratios

I.Cash flow ratio
151
Punjab Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
489,750
463,978
443,635
362,998
370,029
340,200
340,200
340,200
340,200
340,200
2.Reserves
100,336
105,578
110,684
110,683
114,199
49,214
18,200
(7,249)
(87,885)
(84,370)
Items
4.Others


1,248,374
1,334,171
3,150,969
2,683,043
2,295,069
884,851
1,199,072
2,021,160
1,350,630
1,115,787
363,523
135,099
1,129,809
1,332,413
1,179,282
1,738,124
1,798,149
3,594,604
3,046,041
2,665,098
824,002
999,847
1,724,383
1,318,999
1,143,033
11,817
48,222
38,611
26,434
42,247
812,185
951,625
1,685,772
1,292,565
1,100,786
914,122
798,302
1,870,221
1,727,042
1,522,065
777,218
792,315
1,802,881
1,633,185
1,447,816
50,625
10,785
38,032
19,553
86,279
5,987
56,555
55,825
54,696
429,180
435,314
715,988
1,127,458
990,266
9,059
10,270
18,172
24,129
26,650
420,121
425,044
697,816
1,103,329
963,616
7,254
2,912
1,891
65,291
26,211
17,019
90,829
7,031
65,291
26,211
17,019
90,829
7,031
a.Fixed assets
3.Operating profit
E.Other items
34,020
34,020
34,020
34,020
34,020
15.00%
6.00%
3.02%
0.00%
1.00%
0.00%
0.00%
0.00%
0.00%
0.00%
339,492
58,013
(1,473,786)
488,814
317,145
13.33%
0.06%
3.84%
25.02%
1.90%
7.65%
0.04%
1.08%
5.36%
0.45%
3.76%
0.02%
0.47%
2.98%
0.26%
15.21%
0.06%
2.38%
8.06%
0.71%
13.88%
0.39%
106.77%
26.57%
379.04%
80.08%
0.28%
10.41%
0.00%
0.00%
1.92
0.77
0.50
2.67
0.21
0.93
0.83
0.85
0.98
1.02
0.72
0.74
0.88
0.88
0.86
2.91%
0.00%
0.30%
1.25%
0.73%
28.18%
0.26%
12.34%
11.92%
13.88%
14.40
13.64
13.04
10.67
10.88
5.20
2.21
-86.60
5.38
45.11
0.38
0.05
-0.73
0.36
0.28
2.Cash dividend

G.Liquidity Ratios

I.Cash flow ratio
152
Standard Chartered Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
816,965
859,867
892,332
923,617
928,614
392,931
432,224
453,835
453,835
453,835
2.Reserves
376,539
353,685
351,533
372,313
388,289
47,495
73,958
86,964
97,469
86,490
Items
4.Others

1,740,701
1,700,892
2,183,668
2,513,566
2,676,451
1,288,162
1,267,526
1,782,628
2,052,797
2,317,417
452,539
433,366
401,040
460,769
359,034
2,557,666
2,560,759
3,076,000
3,437,183
3,605,065
1,200,791
1,043,836
1,253,455
1,022,736
1,131,602

62,611
14,744
16,420
42,742
77,804
1,138,180
1,029,092
1,237,035
979,994
1,053,798
1,356,875
1,516,923
1,822,545
2,414,447
2,473,463
5,783
4,341
4,036
3,650
3,278
1,351,074
1,512,502
1,818,509
2,410,797
2,470,185
18
80
205,234
252,738
273,008
513,324
849,724
33,778
38,570
42,873
41,354
46,744
171,456
214,168
230,135
471,970
802,980
6,800
9,133
10,811
11,544
61,512
82,196
97,299
103,899
79,880
61,512
82,196
97,299
103,899
79,880
a.Fixed assets
3.Operating profit
E.Other items
39,239
43,222
45,383
45,383
45,383
2.Cash dividend
10.00%
15.00%
16.00%
16.50%
17.00%
10.00%
5.00%
0.00%
0.00%
0.00%
290,504
84,100
(296,283)
(84,021)
251,783
7.53%
0.10%
10.90%
11.25%
8.60%
4.85%
0.06%
7.52%
7.51%
6.20%
2.41%
0.03%
3.16%
3.02%
2.22%
29.97%
0.33%
35.64%
20.24%
9.40%
54.91%
0.47%
44.06%
39.80%
58.52%
20.13%
0.24%
25.22%
27.92%
0.00%
1.57
1.90
2.14
2.29
1.76
0.93
0.82
0.70
0.50
0.49
0.68
0.66
0.71
0.73
0.74
52.82%
0.59%
59.12%
70.14%
68.52%
31.94%
0.34%
29.01%
26.87%
25.76%
20.82
19.89
19.66
20.35
20.46
4.72
1.02
-3.05
-0.81
3.15
0.23
0.07
-0.17
-0.04
0.11
G.Liquidity Ratios

I.Cash flow ratio
153
Treet Manufacaturing Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
111,649
428,285
476,801
142,857
500,000
500,000
2.Reserves
24,258
(31,208)
(71,715)
(47,457)
4.Others
423,589
327,498
471,211
39,754
327,498
264,521
383,835
206,690
535,238
755,783
948,012
378,932
525,747
609,334
16,539
64,775
38,627
362,393
460,972
570,707
156,306
230,036
338,678
a.Fixed assets
156,266
229,996
323,704
40
14,974
40
489,112
965,983
119,001
28,623
44,722
Items

19,877
3.Operating profit
937,360
74,279
(15,618)
(40,507)
48,516
(15,618)
(40,507)
48,516
14,286
50,000
50,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(242,943)
(139,423)
(21,958)
-13.99%
-9.46%
10.18%
-3.15%
-9.46%
7.10%
-2.92%
-5.36%
5.12%
-4.19%
40.77%
E.Other items
-3.19%
-127.27%
-70.66%
92.18%
0.00%
0.00%
0.00%
-1.09
-0.81
0.97
9.53
1.61
2.30
0.43
0.50
G.Liquidity Ratios
0.79
0.00%
0.01%
1.58%
20.86%
56.67%
50.29%
7.82
8.57
9.54
15.56
3.44
-0.45
-6.11
-0.43
-0.08
I.Cash flow ratio
154
Tri-Star Modaraba
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
194,264
199,353
199,858
211,121
208,545
211,631
211,631
211,631
211,631
211,631
24,480
26,075
26,176
28,451
30,053
(41,847)
(38,353)
(37,949)
(28,961)
(33,139)
4.Others
(13,753)
(12,773)
(11,890)
(17,269)
(18,267)
5,978
6,124
37,633
22,480
70,768
5,978
6,124
37,633
22,480
70,768
Items
2.Reserves

186,489
192,704
225,601
216,332
261,046
81,851
88,098
132,947
128,853
177,207

582
341
269
113
1,686
81,269
87,757
132,678
128,740
175,521
104,638
104,606
92,654
87,479
83,839
394
348
8,909
274
244
89,886
90,766
83,720
80,426
79,183
14,358
13,492
25
6,779
4,412
4,633
9,059
3,847
16,303
12,486
416
3,469
3,342
3,772
3,678
4,217
5,590
505
12,531
8,808
500
500
1,265
801
3,716
5,089
504
11,263
8,006
3,716
5,089
504
11,263
8,006
21,163
21,163
21,163
21,163
2,163
2.Cash dividend
0.00%
0.00%
0.00%
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(6,940)
(3,586)
(7,003)
473
(7,715)
1.91%
0.03%
0.25%
5.33%
3.84%
2.06%
0.03%
0.27%
5.81%
4.21%
1.99%
0.03%
0.22%
5.21%
3.07%
80.21%
0.56%
13.10%
69.09%
64.12%
a.Fixed assets
3.Operating profit
E.Other items
11.20%
0.68%
663.10%
33.49%
45.94%
120.19%
0.14%
0.00%
33.54%
21.78%
0.18
0.24
0.02
0.53
3.70
13.69
14.39
3.53
5.73
2.50
0.03
0.03
0.17
0.10
0.27
48.20%
0.47%
37.11%
37.18%
30.33%
104.17%
1.04%
88.59%
97.59%
79.89%
9.18
9.42
9.44
9.98
96.41
-1.87
-0.71
-13.89
0.04
-0.96
-1.16
-0.59
-0.19
0.02
-0.11

G.Liquidity Ratios

I.Cash flow ratio
155
Trust Modaraba
Items
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
311,623
254,685
243,563
257,029
279,582
273,000
273,000
273,000
298,000
298,000
38,623
(18,315)
(29,437)
(40,971)
49,852
(68,270)
77,424
65,021
28,005
43,023
91,552
75,508
62,328
25,943
15,551
33,605
1,916
2,693
2,062
27,472
57,947
389,047
319,706
271,568
300,052
371,134
255,253
235,880
203,502
189,713
185,059
1,474
1,009
3,205
8,161
8,314
253,779
234,871
200,297
181,552
176,745
133,794
83,826
68,066
110,339
186,075
a.Fixed assets
57,179
53,289
45,830
89,797
163,188
34,730
30,199
21,953
20,328
11,359
41,885
338
283
214
11,528
28,832
27,762
18,674
47,498
59,305
10,531
12,305
15,757
14,088
8,950
3.Operating profit
18,301
15,457
2,917
33,410
50,355
21,576
(61,938)
(1,933)
33,087
20,451
18,576
(64,925)
(1,671)
33,087
23,397
27,300
27,300
27,300
29,800
29,800
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
5.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(18,650)
7,445
44,262
56,419
94,764
5.96%
-0.26%
-0.69%
12.87%
8.37%
6.88%
-0.24%
-0.79%
11.63%
6.06%
4.78%
-0.20%
-0.62%
11.03%
6.30%
64.43%
-2.34%
-8.95%
69.66%
39.45%
56.69%
-0.19%
-942.97%
42.58%
38.25%
0.00%
0.00%
0.00%
0.00%
0.00%
0.68
-2.38
-0.06
1.11
0.79
3.38
3.78
7.84
12.20
5.51
0.20
0.20
0.10
0.14
0.25
8.93%
0.09%
8.08%
6.77%
3.06%
80.10%
0.80%
89.69%
85.66%
75.33%
11.42
9.33
8.92
8.63
9.38
-1.00
-0.12
-26.49
1.71
4.05
-0.25
0.12
1.71
3.63
2.82

E.Other items

G.Liquidity Ratios

I.Cash flow ratio
156
UDL Modaraba
Items
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
374,024
404,130
439,590
450,296
474,679
263,866
263,866
263,866
263,866
263,866
2.Reserves
75,711
97,608
127,761
146,307
161,538
34,447
42,656
47,963
40,123
49,275
4.Others

7,683
19,131
(1,436)
25
485
139,554
137,415
150,044
163,626
165,131
32,019
23,853
30,400
38,470
41,164
107,535
113,562
119,644
125,156
123,967
521,261
560,676
588,198
613,947
640,295
433,442
447,722
443,867
433,941
456,807
359,974
220,363
226,524
59,740
61,338
73,468
227,359
217,343
374,201
395,469
87,819
112,954
144,331
180,006
183,488
a.Fixed assets
38,168
50,321
88,293
107,290
96,218
49,472
62,559
55,964
72,642
87,196
179
74
74
74
74
79,210
72,793
69,083
90,164
105,954
7,875
9,993
11,114
13,804
15,442
71,335
62,800
57,969
76,360
90,512
4,117
5,691
6,233
4,121
37,052
51,216
56,093
37,093
50,768
37,052
51,216
56,093
37,093
50,768

3.Operating profit
E.Other items
26,387
26,387
26,386
26,386
26,386
2.Cash dividend
8.00%
10.00%
10.00%
10.00%
12.50%
0.00%
0.00%
0.00%
0.00%
0.00%
54,998
53,415
67,326
(85,684)
73,919
9.91%
0.13%
12.76%
8.24%
10.70%
7.57%
0.10%
10.06%
6.45%
8.47%
7.11%
0.09%
9.54%
6.04%
7.93%
46.78%
0.70%
81.20%
41.14%
47.92%
21.25%
0.20%
19.81%
37.21%
30.42%
52.28%
0.57%
56.08%
29.85%
0.00%
1.40
1.94
2.13
1.41
1.92
13.54
18.77
14.60
11.28
11.10
0.27
0.25
0.26
0.27
0.26
9.49%
0.11%
9.51%
11.83%
13.62%
71.75%
0.72%
74.74%
73.34%
74.13%
14.18
15.32
16.66
17.07
17.99
1.48
1.04
1.20
-2.31
1.46
1.72
2.24
2.21
-2.23
1.80
G.Liquidity Ratios

I.Cash flow ratio
157
2010
EXCHANGE COMPANIES
The balance sheet size of Exchange Companies expanded during the period under review. Total assets
witnessed an increase of 13.0 percent to stand at around Rs 7.0 billion during CY10 as compared to Rs
6.2 billion in CY09. Decrease in profit before and after taxation of 10.5 percent and10.4 percent
respectively was recorded in CY10 over CY09.

Total equity increased from Rs 4.5 billion
Components of Balance Sheet
in CY09 to Rs to 5.1 billion in CY10 or
8,000
7,000
6,000
5,000
4,000
3,000
2,000
1,000
0
assets increased to 7.0 billion in CY10

from 6.2 billion in CY09; recording an
Million Rs.
around 13.0 percent over CY09. Total
increase of 13.0 percent. Analysis also

reveals that the Exchange companies were
holding around 50 percent of their total
assets in the form of highly liquid assets,
15%
13%
13%
Total
Equity
Total
Liabilities
Total
Assets
CY 09
4,505.9
1,612.5
6,169.3
CY 10
5,106.5
1,854.5
6,966.4
13%
15%
13%
Growth%
16%
15%
15%
14%
14%
13%
13%
12%
12%
i.e., cash and bank balances because of their nature of business. The current ratio almost remained
same at 3.4 percent in CY10. Further, the formation of assets has mainly been through share capital
which was around 90 percent of total equity both in CY09 and CY10.

Gross revenue reached Rs 1.9 billion in CY10 showing an increase of 12.4 percent. Administrative
2000
1661.2
800.0
1390.6
1500
1157.1
600.0
1000
Million Rs.
Million Rs.
1867.2
500
281.1
251.8
400.0
200.0
426.7
381.8
0
CY 09
Revenue
CY 10
0.0
CY 09
Admin. And Gen. Exp.
CY 10
and general expenses increased from Rs 1.2 billion in CY09 to Rs 1.4 billion in CY10. Administrative
and general expenses were around 70 percent of the gross revenue in CY09 which increased to 74
158
2010
percent in CY10 showing reduced operating efficiency in CY10 compared to CY09. Profit before tax
decreased from Rs 426.7 million in CY09 to Rs 381.8 million in CY10, registering a decrease of 10.5
percent in CY10. Similarly profit after tax decreased from Rs 281.1 million in CY09 to Rs 251.8
million in CY10; recording a decrease of about 10.4 percent.
Return on capital employed (ROCE) and
Return on Assets (ROA) decreased from 8.8
4.9%
ROE
6.2%
percent to 7.0 percent and 4.6 percent to 3.6

percent respectively in CY10. Return on
Equity also decreased from 6.2 percent to 4.9
7.0%
ROCE
CY 10
8.8%
percent in CY10. Breakup value per share

increased from Rs. 20.8 to Rs. 21.6 in CY10.
3.6%
ROA
0.0%
159
4.6%
2.0%
4.0%
6.0%
8.0%
10.0%
CY 09
Exchange Companies - Overall

Items
1.Share capital
2.Reserves
3.Accumulated profit (loss)
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,796,691
4,597,012
4,998,006
4,505,890
5,106,493
3,799,393
4,424,258
4,895,275
4,130,275
4,515,410
30,000
45,000
25,000
45,000
(32,702)
127,754
102,731
350,615
546,083
65,442
52,580
45,348
50,967
5,355
1,098,269
1,235,190
1,628,023
1,612,473
1,854,516
525,954
827,732
1,098,330
1,316,888
1,520,200
572,315
407,458
529,693
295,585
334,316
4,960,402
5,884,782
6,671,377
6,169,330
6,966,364
1.Current assets(a + b)
3,536,057
4,255,420
4,716,762
4,473,486
5,231,406
a.Cash & bank balances
2,215,908
2,669,485
2,770,981
2,776,536
3,518,995
b.Other assets
1,320,150
1,585,935
1,945,781
1,696,950
1,712,411
1,424,345
1,629,362
1,954,615
1,695,844
1,734,958
2.Non-current assets (a + b)
a.Fixed assets
426,394
476,006
750,108
631,224
640,399
b.Other assets
997,951
1,153,356
1,204,507
1,064,620
1,094,559
1.Revenue
819,865
987,907
1,656,131
1,661,192
1,867,171
2.Administrative and general expense
576,290
722,931
1,416,706
1,157,100
1,390,631
73,696
91,677
114,884
426,736
381,827
31,346
21,897
91,581
281,093
251,826
198,679
252,165
270,240
216,240
236,754
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
3.Stock dividend/bonua shares
N/A
N/A
N/A
N/A
N/A
399,844
40,689
(3,407,508)
691,603
218,716
0.83%
0.48%
1.83%
6.24%
4.93%
2.Return on capital employed (ROCE) (D3/C-B1)
1.66%
1.81%
2.06%
8.79%
7.01%
0.63%
0.37%
1.37%
4.56%
3.61%
7.82
7.89
12.33
2.71
3.64
0.16
0.09
0.34
1.30
1.06
44.67%
45.36%
41.54%
45.01%
50.51%
G.Liquidity ratios
1.Cash & bank balances to total assets (C1a/C)
2.Cuurent assets to current liabilities (C1/B1) (times)
3.Total llabilities to total assets (B/C)
6.72
5.14
4.29
3.40
3.44
22.14%
20.99%
24.40%
26.14%
26.62%
76.54%
78.12%
74.92%
73.04%
73.30%
19.11
18.23
18.49
20.84
21.57
12.76
1.86
-37.21
2.46
0.87
0.76
0.05
-3.10
0.53
0.14
H.Capital /lverage ratios

I.Cash flow ratios

160
AA Exchange Company (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others

(Thousand Rupees)
2009
2010
2006
2007
2008
98,075
102,201
118,497
208,455
211,619
100,000
100,000
115,000
200,000
200,000
2,201
3,497
8,455
11,619
(1,925)
2010
4,796
30,000
4,123
6,810
45,170
13,324
113,495
1,923
4,541
22,862
12,883
110,497
2,200
2,269
22,308
441
2,998
102,198
113,807
193,667
221,779
325,114
72,007
74,151
150,341
160,080
229,909
32,418
66,661
138,070
151,615
171,084
b.Other assets
39,590
7,490
12,271
8,465
58,825
30,191
39,656
43,326
61,699
95,205
a.Fixed assets
2,952
4,419
6,292
4,442
33,090
b.Other assets
27,239
35,237
37,034
57,257
62,115
1.Revenue
6,602
12,315
22,607
52,020
95,228
8,934
9,273
20,722
43,362
87,977
828
5,046
2,454
6,981
5,420
780
4,127
1,296
4,957
3,164
10,000
10,000
11,500
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
21,672
3,644
14,779
(1,468)
57,635
0.80%
4.04%
1.09%
2.38%
1.50%
0.83%
4.62%
1.44%
3.34%
2.53%
0.76%
3.63%
0.67%
2.24%
0.97%
10.79
1.84
8.44
6.21
16.23
0.08
0.41
0.11
0.25
0.16
31.72%
58.57%
71.29%
68.36%
52.62%
E.Other items

G.Liquidity ratios
37.44
16.33
6.58
12.43
2.08
4.03%
5.98%
23.32%
6.01%
34.91%
95.97%
89.80%
61.19%
93.99%
65.09%
9.81
10.22
10.30
10.42
10.58
27.78
0.88
11.40
-0.30
18.22
11.27
0.80
0.65
-0.11
0.52


I.Cash flow ratios
161
Al-Hameed Intl. Money Ex (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others

(Thousand Rupees)
2009
2010
2006
2007
2008
101,256
96,846
198,148
198,544
199,585
100,000
100,000
200,000
200,000
200,000
1,256
2010
(3,154)
(1,852)
(1,456)
0
(415)
5,347
5,079
4,826
4,584
4,355
38,282
35,634
28,396
33,916
23,193
34,778
32,373
26,900
31,944
21,834
3,504
3,261
1,496
1,972
1,359
144,885
137,559
231,370
237,044
227,133
51,290
44,168
52,105
59,597
61,746
29,689
23,822
23,714
15,146
7,427
b.Other assets
21,601
20,346
28,391
44,451
54,319
93,595
93,391
179,265
177,447
165,387
a.Fixed assets
65,059
63,497
124,396
119,111
113,706
b.Other assets
28,536
29,894
54,869
58,336
51,681
10,685
8,572
11,094
8,158
5,520
6,869
7,659
7,877
9,522
8,895
(592)
(4,878)
(660)
630
243
(1,209)
(4,678)
1,049
154
812

1.Revenue
E.Other items
100
100
200
200
200
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
30,183
(2,390)
(19,602)
(7,477)
(7,477)
-1.19%
-4.83%
0.53%
0.08%
0.41%
-0.54%
-4.64%
-0.32%
0.31%
0.12%
-0.83%
-3.40%
0.45%
0.06%
0.36%
-11.60
-1.57
-11.93
15.11
36.60
-12.09
-46.78
5.25
0.77
4.06
20.49%
17.32%
10.25%
6.39%
3.27%
G.Liquidity ratios
1.47
1.36
1.94
1.87
2.83
26.42%
25.90%
12.27%
14.31%
10.21%
69.89%
70.40%
85.64%
83.76%
87.87%
1,012.56
968.46
990.74
992.72
997.93
-24.97
0.51
-18.69
-48.55
-9.21
0.87
-0.07
-0.73
-0.23
-0.34

I.Cash flow ratios

162
Al-Rahim Exchange Company (Pvt.) Ltd.

Items
1.Share capital
2.Reserves
4.Others

(Thousand Rupees)
2009
2010
2006
2007
2008
194,594
193,151
199,356
200,662
201,231
200,000
200,000
205,410
205,410
205,410
(6,054)
(4,748)
(5,406)
2010
(6,849)
0
(4,179)
1,377
979
636
788
337
816
716
636
788
337
561
263
195,971
194,130
199,992
201,450
201,568
90,785
150,583
139,121
141,096
142,001
90,534
143,033
137,141
140,310
138,737
251
7,550
1,980
786
3,264
105,186
43,547
60,871
60,354
59,567
a.Fixed assets
11,184
10,728
9,334
8,776
7,957
b.Other assets
94,002
32,819
51,537
51,578
51,610
18,670
8,320
6,409
4,712
5,901
5,276
5,168
6,727
(155)
(1,402)
1,241
1,306
664
(249)
(1,443)
1,167
1,306
569

b.Other assets

1.Revenue
619
(8,068)
E.Other items
2,000
2,000
2,054
2,054
2,054
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
2,254
(15,609)
7,610
4,053
786
-0.13%
-0.75%
0.59%
0.65%
0.28%
-0.08%
-0.72%
0.62%
0.65%
0.33%
-0.13%
-0.74%
0.58%
0.65%
0.28%
-38.07
-3.76
4.16
5.15
-12.15
-0.12
-0.72
0.57
0.64
0.28
46.20%
73.68%
68.57%
69.65%
68.83%
111.26
210.31
218.74
179.06
421.37
0.70%
0.50%
0.32%
0.39%
0.17%
99.30%
99.50%
99.68%
99.61%
99.83%
97.30
96.58
97.06
97.69
97.97
6.52
3.10
1.38
11.97
5.14
2.33
G.Liquidity ratios

I.Cash flow ratios

-9.05
2.76
163
10.82
-21.80
Dollar East Exchange Company (Pvt.) Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
167,062
163,809
163,875
169,434
283,984
200,000
200,000
200,000
200,000
300,000
(32,938)
(36,191)
(36,125)
(30,566)
(16,016)
700
700
1,700
28,692
51,376
71,030
217,859
204,869
28,692
51,376
71,030
216,159
202,182
1,700
2,687
196,454
215,885
236,605
387,293
488,853
106,620
117,023
145,795
294,820
362,796
80,346
76,158
44,214
26,990
42,822
b.Other assets
26,274
40,865
101,581
267,830
319,974
89,834
98,862
90,810
92,473
126,057
a.Fixed assets
29,477
32,007
26,886
28,715
36,196
b.Other assets
60,357
66,855
63,924
63,758
89,861
1.Revenue
41,730
60,060
82,406
105,399
117,167
51,492
64,626
84,248
104,130
111,744
(9,011)
(2,952)
478
8,713
11,991
(9,220)
(3,252)
66
5,558
14,551
E.Other items
2,000
2,000
2,000
2,000
3,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
31,410
11,236
(30,930)
(8,068)
(41,700)
-5.52%
-1.99%
0.04%
3.28%
5.12%
-5.37%
-1.79%
0.29%
5.09%
4.18%
-4.69%
-1.51%
0.03%
1.44%
2.98%
-5.71
-21.89
176.25
11.95
9.32
-4.61
-1.63
0.03
2.78
4.85
40.90%
35.28%
18.69%
6.97%
8.76%
G.Liquidity ratios
3.72
2.28
2.05
1.36
1.79
14.60%
23.80%
30.02%
56.25%
41.91%
85.04%
75.88%
69.26%
43.75%
58.09%
83.53
81.90
81.94
84.72
94.66
-3.41
-3.46
-468.64
-1.45
-2.87
1.09
0.22
-0.44
-0.04
-0.21

I.Cash flow ratios

164
Fairdeal Exchange Company (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others

(Thousand Rupees)
2009
2010
2006
2007
2008
109,532
151,516
192,846
205,248
206,933
105,393
155,393
200,000
200,000
200,000
5,248
6,933
4,139
2010
(3,877)
(7,154)
5,504
1,944
14,069
12,343
25,515
5,504
1,944
14,069
10,343
23,515
2,000
2,000
115,036
153,460
206,915
217,591
232,448
70,094
98,326
137,702
143,503
167,485
64,863
92,860
120,512
135,273
156,376
5,231
5,466
17,190
8,230
11,109
44,942
55,134
69,213
74,088
64,963
a.Fixed assets
8,617
13,137
13,543
12,592
13,032
b.Other assets
36,325
41,997
55,670
61,496
51,931
1.Revenue
15,223
14,644
21,590
33,191
27,373
13,876
14,178
17,253
19,658
24,845
1,227
279
(3,263)
13,515
2,526
1,151
263
(3,277)
12,402
1,685
10,539
15,539
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(53)
(1,920)
19,983
13,602
1.05%
0.17%
-1.70%
6.04%
0.81%
1.12%
0.18%
-1.69%
6.52%
1.21%
1.00%
0.17%
-1.58%
5.70%
0.72%
11.31
50.82
-5.29
1.45
9.84
0.11
0.02
-0.16
0.62
0.08
56.38%
60.51%
58.24%
62.17%
67.27%

b.Other assets
E.Other items

G.Liquidity ratios
12.74
50.58
9.79
13.87
7.12
4.78%
1.27%
6.80%
5.67%
10.98%
95.22%
98.73%
93.20%
94.33%
89.02%
10.39
9.75
9.64
10.26
10.35
0.00
-0.20
0.59
1.61
8.07
0.00
-0.03
-0.14
1.93
0.58


I.Cash flow ratios
165
Galaxy Exchange Company (Pvt.) Ltd.

Items
1.Share capital
2.Reserves
4.Others

(Thousand Rupees)
2009
2010
2006
2007
2008
195,790
191,862
202,979
209,851
209,279
200,000
200,000
210,000
210,000
210,000
(149)
(721)
(4,210)
2010
(8,138)
(7,021)
790
868
729
642
837
790
868
729
642
837
196,580
192,730
203,708
210,493
210,116
82,282
79,068
93,737
92,083
103,153
64,108
64,192
76,157
85,878
100,076
b.Other assets
18,174
14,876
17,580
6,205
3,077
114,298
113,662
109,971
118,410
106,963
a.Fixed assets
4,298
3,662
59,971
57,110
54,363
b.Other assets
110,000
110,000
50,000
61,300
52,600
1.Revenue
18,812
28,765
33,618
44,343
40,501
27,762
32,551
32,500
38,123
40,899
(8,950)
(3,786)
1,118
6,220
(398)
(9,044)
(3,929)
1,118
6,220
(572)
20,000
20,000
21,000
21,000
21,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
362
1,971
6,714
6,058
-4.62%
-2.05%
0.55%
2.96%
-0.27%
-4.57%
-1.97%
0.55%
2.96%
-0.19%
-4.60%
-2.04%
0.55%
2.95%
-0.27%
-3.10
-8.60
29.07
6.13
-102.76
-0.45
-0.20
0.05
0.30
-0.03
32.61%
33.31%
37.39%
40.80%
47.63%
104.15
91.09
128.58
143.43
123.24
0.40%
0.45%
0.36%
0.30%
0.40%
99.60%
99.55%
99.64%
99.70%
99.60%
9.79
9.59
9.67
9.99
9.97
0.00
-0.09
1.76
1.08
-10.59
0.00
0.42
2.70
10.46
7.24
E.Other items
G.Liquidity ratios

I.Cash flow ratios
166
H & H Exchange Company (Pvt.) Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
336,532
348,801
279,854
335,913
365,636
300,000
300,000
300,000
300,000
300,000
30,000
45,000
25,000
45,000
6,532
3,801
(20,146)
10,913
20,636
80,290
59,117
51,800
59,200
71,245
80,212
59,117
51,800
57,836
69,931
78
1,364
1,314
416,822
407,918
331,654
395,113
436,881
345,468
309,730
199,005
301,105
342,427
336,655
300,968
117,435
280,431
322,275
8,813
8,762
81,570
20,674
20,152
71,354
98,188
132,649
94,008
94,454
a.Fixed assets
13,824
12,834
11,382
10,598
12,016
b.Other assets
57,530
85,354
121,267
83,410
82,438
1.Revenue
63,387
67,726
89,719
155,128
114,683
35,801
40,828
186,804
49,596
57,370
21,889
17,870
(105,384)
95,083
44,959
14,389
12,270
(68,948)
56,059
29,723

b.Other assets
E.Other items
300
300
300
300
300
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
19,618
15,688
(182,589)
164,232
45,787
4.28%
3.52%
-24.64%
16.69%
8.13%
6.50%
5.12%
-37.66%
28.19%
12.25%
3.45%
3.01%
-20.79%
14.19%
6.80%
1.64
2.28
-1.77
0.52
1.28
47.96
40.90
-229.83
186.86
99.08
80.77%
73.78%
35.41%
70.97%
73.77%

G.Liquidity ratios
4.31
5.24
3.84
5.21
4.90
19.26%
14.49%
15.62%
14.98%
16.31%

80.74%
85.51%
84.38%
85.02%
83.69%
1,121.77
1,162.67
932.85
1,119.71
1,218.79
1.36
1.28
2.65
2.93
1.54
0.24
0.27
-3.52
2.84
0.65

I.Cash flow ratios
167
Habib Currency Exchange (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
85,135
200,236
209,247
259,990
493,422
100,000
214,865
214,865
214,865
400,000
(14,865)
(14,629)
45,125
93,422
(5,618)
(9)
(274)
3,590
9,546
21,588
10,447
10,603
3,590
9,546
21,588
10,200
10,079
247
524
88,725
209,773
230,561
270,437
504,025
80,547
202,642
221,829
210,745
388,042
310,952
7,728
17,674
91,113
202,769
72,819
184,968
130,716
7,976
77,090
8,178
7,131
8,732
59,692
115,983
a.Fixed assets
6,812
6,650
5,347
4,781
10,369
b.Other assets
1,366
481
3,385
54,911
105,614

b.Other assets

2,621
6,066
35,358
115,692
115,771
(11,006)
(14,227)
28,912
37,613
52,849
(3,922)
309
6,322
78,065
74,304
(3,958)
236
9,012
50,742
48,298
1.Revenue
E.Other items
10,000
21,486
21,486
21,486
40,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(16,980)
8,625
16,196
42,766
(19,391)
-4.65%
0.12%
4.31%
19.52%
9.79%
-4.61%
0.15%
3.03%
30.00%
15.04%
-4.46%
0.11%
3.91%
18.76%
9.58%
2.81
-46.04
4.57
0.48
0.71
-0.40
0.01
0.42
2.36
1.21
8.71%
8.43%
39.52%
74.98%
61.69%

G.Liquidity ratios
22.44
21.23
10.28
20.66
38.50
4.05%
4.55%
9.36%
3.86%
2.10%
95.95%
95.45%
90.76%
96.14%
97.90%
8.51
9.32
9.74
12.10
12.34
4.29
36.55
1.80
0.84
-0.40
-4.73
0.90
0.75
4.19
-1.92

I.Cash flow ratios

168
Habib Qatar International Exchange Pakistan Ltd.
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
118,890
121,014
245,622
320,288
375,658
100,000
100,000
200,000
200,000
200,000
18,890
21,014
45,622
120,288
175,658
4.Others
(2,949)
1,211
8,339
5,746
29,063
24,732
34,209
7,950
5,003
26,137
20,177
27,325
Items
1.Share capital
2.Reserves

389
743
2,926
4,555
6,884
124,280
127,971
274,685
345,020
409,867
94,951
95,822
236,204
275,737
328,491
68,465
44,037
146,386
122,657
166,030
b.Other assets
26,486
51,785
89,818
153,080
162,461
29,329
32,149
38,481
69,283
81,376
a.Fixed assets
2,701
6,600
13,073
18,915
31,173
b.Other assets
26,628
25,549
25,408
50,368
50,203

4,933
7,918
54,473
142,553
189,170
11,834
15,198
27,904
58,743
99,654
16,267
7,180
26,569
83,810
89,516
16,095
7,124
24,608
74,666
70,370
10,000
10,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
6,560
(1,238)
(3,419,457)
(17,330)
70,204
13.54%
5.89%
10.02%
23.31%
18.73%
13.98%
5.84%
10.69%
25.80%
23.40%
12.95%
5.57%
8.96%
21.64%
17.17%
0.73
2.12
1.05
0.70
1.11
1.61
0.71
1.23
3.73
3.52
55.09%
34.41%
53.29%
35.55%
40.51%
1.Revenue
E.Other items
G.Liquidity ratios
11.94
19.15
9.04
13.67
12.02
6.71%
4.49%
10.58%
7.17%
8.35%
95.66%
94.56%
89.42%
92.83%
91.65%
11.89
12.10
12.28
16.01
18.78
0.41
-0.17
-138.96
-0.23
1.00
0.83
-0.25
-130.83
-0.86
2.57


I.Cash flow ratios
169
M/S SIBL Exchange Co.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
101,304
102,779
105,636
109,217
112,297
100,000
100,000
100,000
100,000
100,000
1,304
2,779
5,636
9,217
12,297
5,527
8,458
4,144
3,193
2,871
5,527
8,458
4,144
3,193
2,871
106,831
111,237
109,780
112,410
115,168
105,158
109,029
108,085
111,175
114,264
7,419
9,492
8,841
1,074
947
97,739
99,537
99,244
110,101
113,317
1,673
2,208
1,695
1,235
904
a.Fixed assets
1,336
1,674
1,344
1,066
805
b.Other assets
337
534
351
169
99
1.Revenue
4,741
6,315
8,116
9,502
8,842
2,891
3,993
3,647
3,901
4,018
1,851
2,322
4,469
5,601
4,824
1,421
1,474
2,858
3,581
3,080
10,000
10,000
10,000
10,000
10,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
2,744
5,194
(2,088)
2,617
2,839
1.40%
1.43%
2.71%
3.28%
2.74%
1.83%
2.26%
4.23%
5.13%
4.30%
1.33%
1.33%
2.60%
3.19%
2.67%
1.56
1.72
0.82
0.70
0.83
0.14
0.15
0.29
0.36
0.31
6.94%
8.53%
8.05%
0.96%
0.82%

b.Other assets
E.Other items
G.Liquidity ratios
19.03
12.89
26.08
34.82
39.80
5.17%
7.60%
3.77%
2.84%
2.49%
94.83%
92.40%
96.23%
97.16%
97.51%
10.13
10.28
10.56
10.92
11.23
1.93
3.52
-0.73
0.73
0.92
0.50
0.61
-0.50
0.82
0.99


I.Cash flow ratios
170
Malik Exchange (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
204,151
205,721
209,424
218,458
213,883
200,000
200,000
200,000
200,000
200,000
4,151
5,721
9,424
18,458
13,883
3,711
12,274
23,533
96,178
25,959
2,411
10,974
22,233
94,878
25,959
1,300
1,300
1,300
1,300
207,862
217,995
232,957
314,636
239,842
109,288
117,718
134,402
216,527
178,781
106,238
106,344
121,344
201,144
154,013
3,050
11,374
13,058
15,383
24,768
98,574
100,277
98,555
98,109
61,061
a.Fixed assets
45,914
48,244
46,466
45,253
8,369
b.Other assets
52,660
52,033
52,089
52,856
52,692

b.Other assets

20,071
16,153
24,851
44,202
33,925
(16,259)
(19,375)
22,528
37,568
39,245
2,227
(126)
4,709
9,955
(3,781)
1,345
(207)
3,774
9,137
(4,574)
1.Revenue
E.Other items
200
200
200
200
200
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
5,847
17,271
83,304
(79,639)
0.66%
-0.10%
1.80%
4.18%
-2.14%
1.08%
-0.06%
2.23%
4.53%
-1.77%
0.65%
-0.09%
1.62%
2.90%
-1.91%
-7.30
153.77
4.78
3.77
-10.38
6.73
-1.04
18.87
45.69
-22.87
51.11%
48.78%
52.09%
63.93%

G.Liquidity ratios
64.21%
45.33
10.73
6.05
2.28
6.89
1.79%
5.63%
10.10%
30.57%
10.82%

98.21%
94.37%
89.90%
69.43%
89.18%
1,020.76
1,028.61
1,047.12
1,092.29
1,069.42
4.35
0.00
4.58
9.12
17.41
2.43
0.00
0.78
0.88
-3.07

I.Cash flow ratios
171
NBP Exchange Company Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
286,786
475,739
362,892
512,490
534,596
300,000
300,000
300,000
300,000
300,000
(13,214)
175,739
62,892
212,490
234,596
502,206
342,488
513,525
379,283
301,841
2,206
1,831
62,877
117,123
107,117
500,000
340,657
450,648
262,160
194,724
788,992
818,227
876,417
891,773
836,437
678,972
712,745
775,273
793,626
822,751
90,692
260,357
189,773
190,379
215,117
588,280
452,388
585,500
603,247
607,634
110,020
105,482
101,144
98,147
13,686
a.Fixed assets
10,053
10,139
9,331
11,278
12,229
b.Other assets
99,967
95,343
91,813
86,869
1,457
1.Revenue
14,892
25,131
100,454
125,569
126,338
19,541
26,837
28,743
32,055
(43,057)
11,153
35,561
71,712
56,221
50,296
9,242
29,610
46,497
24,320
22,106
30,000
30,000
30,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(7,532)
2,527
16,024
16,024
(27,420)
3.22%
6.22%
12.81%
4.75%
4.14%
1.42%
4.36%
8.81%
7.26%
6.90%
1.17%
3.62%
5.31%
2.73%
2.64%
1.75
0.75
0.40
0.57
-0.86
0.31
0.99
1.55
0.81
0.74
11.49%
31.82%
21.65%
21.35%
25.72%

b.Other assets
E.Other items
G.Liquidity ratios
307.78
389.27
12.33
6.78
7.68
63.65%
41.86%
58.59%
42.53%
36.09%
36.35%
58.14%
41.41%
57.47%
63.91%
9.56
15.86
12.10
17.08
17.82
-0.81
0.09
0.34
0.66
-1.24
-3.41
1.38
0.25
0.14
-0.26

I.Cash flow ratios
172
Noble Exchange International (Pvt) Ltd

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
99,614
199,816
199,996
203,284
189,823
100,000
200,000
200,000
200,000
200,000
(386)
(184)
(4)
3,284
(10,177)
1,500
1,500
1,500
1,200
1,000
10,105
3,465
1,966
18,046
1,133
10,105
3,465
1,966
18,046
1,133
111,219
204,781
203,462
222,530
191,956
70,340
139,458
138,891
155,110
127,032
44,725
115,964
92,089
122,081
125,297
b.Other assets
25,615
23,494
46,802
33,029
1,735
40,879
65,323
64,571
67,420
64,924
a.Fixed assets
14,430
14,179
13,479
12,528
12,487
b.Other assets
26,449
51,144
51,092
54,892
52,437
1.Revenue
15,260
13,162
32,859
20,472
3,329
14,453
12,739
32,679
21,024
21,438
581
312
342
5,682
(13,445)
505
202
178
3,289
(13,461)
10,000
20,000
20,000
2,000
2,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
20,981
(2,801)
(23,061)
30,665
4,326
0.51%
0.10%
0.09%
1.62%
-7.09%
0.57%
0.15%
0.17%
2.78%
-7.05%
0.45%
0.10%
0.09%
1.48%
-7.01%
24.88
40.83
95.55
3.70
-1.59
0.05
0.01
0.01
1.64
-6.73
40.21%
56.63%
45.26%
54.86%
65.27%
E.Other items

G.Liquidity ratios
6.96
40.25
70.65
8.60
112.12
9.09%
1.69%
0.97%
8.11%
0.59%
89.57%
97.58%
98.30%
91.35%
98.89%
9.96
9.99
10.00
101.64
94.91
41.55
-13.87
-129.56
9.32
-0.32
2.08
-0.81
-11.73
1.70
3.82

I.Cash flow ratios

173
P B S Exchange Company (Pvt.) Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
72,813
144,383
144,817
146,379
148,337
100,000
200,000
200,000
200,000
200,000
(27,187)
(55,617)
(55,183)
(53,621)
(51,663)
52,416
28,483
45,183
581
737
41,556
1,668
89,961
581
737
573
1,668
6,635
40,983
83,326
125,810
173,603
186,373
193,230
238,298
43,489
74,893
62,845
68,134
113,546
42,490
73,114
60,358
65,207
110,603
999
1,779
2,487
2,927
2,943
82,321
98,710
123,528
125,096
124,752
a.Fixed assets
49,537
65,469
66,128
69,148
68,028
b.Other assets
32,784
33,241
57,400
55,948
56,724

b.Other assets

4,428
10,672
39,394
45,667
58,399
25,118
40,026
41,413
49,410
61,190
(20,598)
(28,370)
644
2,403
3,012
(27,188)
(55,616)
434
1,562
1,958
1.Revenue
E.Other items
1,000
2,000
2,000
2,000
2,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
-37.34%
-38.52%
0.30%
1.07%
1.32%
-16.45%
-16.41%
0.35%
1.25%
1.30%
-21.61%
-32.04%
0.23%
0.81%
0.82%
-1.22
-1.41
64.31
20.56
20.32
-27.19
-27.81
0.22
0.78
0.98
33.77%
42.12%
32.39%
33.75%
46.41%

G.Liquidity ratios
74.85
101.62
109.68
40.85
17.11
0.46%
0.42%
22.30%
0.86%
37.75%
57.88%
83.17%
77.70%
75.75%
62.25%
72.81
72.19
72.41
73.19
74.17
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00


I.Cash flow ratios
174
Pakistan Currency Exchange Co. (Pvt) (Pakistan) Ltd.

Items
1.Share capital
2.Reserves
4.Others

(Thousand Rupees)
2009
2010
2006
2007
2008
202,107
198,867
204,406
208,093
220,971
200,000
200,000
200,000
200,000
200,000
4,406
8,093
20,971
2,107
2010
(1,133)
5,614
140,380
18,540
400,075
412,275
5,061
134,730
9,904
382,915
386,579
553
5,650
8,636
17,160
25,696
207,721
339,247
222,946
608,168
633,246
141,484
272,069
152,503
523,598
537,093
137,474
123,079
90,404
267,979
435,977
4,010
148,990
62,099
255,619
101,116
66,237
67,178
70,443
84,570
96,153
a.Fixed assets
15,913
16,981
17,770
32,491
36,037
b.Other assets
50,324
50,197
52,673
52,079
60,116
1.Revenue
78,321
109,801
221,403
353,552
416,252
73,179
112,362
209,767
310,405
400,090
5,932
(753)
8,313
9,972
19,364
5,553
(3,240)
5,539
3,687
12,877

b.Other assets
E.Other items
2,000
2,000
2,000
2,000
2,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
19,642
(127,739)
(6,268)
19,425
167,546
2.75%
-1.63%
2.71%
1.77%
5.83%
2.93%
-0.37%
3.90%
4.43%
7.85%
2.67%
-0.96%
2.48%
0.61%
2.03%
12.34
-149.22
25.23
31.13
20.66
2.78
-1.62
2.77
1.84
6.44
66.18%
36.28%
40.55%
44.06%
68.85%

G.Liquidity ratios
27.96
2.02
15.40
1.37
1.39
2.70%
41.38%
8.32%
65.78%
65.11%
97.30%
58.62%
91.68%
34.22%
34.89%
101.05
99.43
102.20
104.05
110.49

I.Cash flow ratios

3.54
39.43
-1.13
5.27
13.01
3.88
-0.95
-0.63
0.05
0.43
175
Paracha International Exchange

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
98,517
162,333
189,819
187,019
197,298
140,000
200,000
200,000
200,000
200,000
(41,483)
(37,667)
(10,181)
(12,981)
0
(2,702)
853
4,461
11,423
75,119
53,026
853
4,461
11,423
75,119
53,026
99,370
166,794
201,242
262,138
250,324
97,023
85,641
114,215
182,878
125,537
66,602
25,739
35,749
106,747
103,117
b.Other assets
30,421
59,902
78,466
76,131
22,420
2,347
81,153
87,027
79,260
124,787
a.Fixed assets
2,257
3,963
80,936
75,786
68,043
b.Other assets
90
77,190
6,091
3,474
56,744

1,979
6,597
33,784
35,797
36,391
(4,220)
(6,470)
(11,128)
36,097
27,097
190
3,817
22,656
(299)
9,294
122
3,815
27,486
(2,800)
10,279
14,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(4,464)
3,849
12,327
74,696
(2,737)
0.12%
2.35%
14.48%
-1.50%
5.21%
0.19%
2.35%
11.94%
-0.16%
4.71%
0.12%
2.29%
13.66%
-1.07%
4.11%
-22.21
-1.70
-0.49
-120.73
2.92
0.01
0.19
1.37
-0.14
0.51
67.02%
15.43%
17.76%
40.72%
41.19%
113.74
19.20
10.00
2.43
2.37
0.86%
2.67%
5.68%
28.66%
21.18%
99.14%
97.33%
94.32%
71.34%
78.82%
7.04
8.12
9.49
9.35
9.86
-36.59
1.01
0.45
-26.68
-0.27
-5.23
0.86
1.08
0.99
-0.05
1.Revenue
E.Other items
G.Liquidity ratios

I.Cash flow ratios

176
Ravi Exchange Company Ltd

Items
1.Share capital
2.Reserves
4.Others

(Thousand Rupees)
2009
2010
2006
2007
2008
98,501
96,221
200,059
205,138
224,521
100,000
100,000
200,000
200,000
200,000
59
5,138
24,521
(1,499)
2010
(3,779)
2,186
4,653
4,756
39,284
227,518
2,186
4,653
4,756
36,913
215,543
2,371
11,975
100,687
100,874
204,815
244,422
452,039
96,173
93,945
94,900
120,444
321,517
58,771
52,192
55,329
109,950
251,747
b.Other assets
37,402
41,753
39,571
10,494
69,770
4,514
6,929
109,915
123,978
130,522
a.Fixed assets
4,329
5,617
66,313
70,035
72,472
b.Other assets
185
1,312
43,602
53,943
58,050
1.Revenue
5,929
10,812
20,932
53,807
116,287
7,023
13,384
24,102
49,901
96,420
2,045
175
1,313
7,678
30,968
911
5,079
19,383
257
(2,283)
E.Other items
1,000
1,000
1,000
1,000
1,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
21
491
(22,255)
71,664
(50,289)
0.26%
-2.37%
0.46%
2.48%
8.63%
2.08%
0.18%
0.66%
3.70%
13.09%
0.26%
-2.26%
0.44%
2.08%
4.29%
3.43
76.48
18.36
6.50
3.11
0.26
-2.28
0.91
5.08
19.38
58.37%
51.74%
27.01%
44.98%
55.69%
G.Liquidity ratios
43.99
20.19
19.95
3.26
1.49
2.17%
4.61%
2.32%
16.07%
50.33%
97.83%
95.39%
97.68%
83.93%
49.67%
98.50
96.22
200.06
205.14
224.52
0.08
-0.22
-24.43
14.11
-2.59
0.01
0.11
-4.68
1.94
-0.23


I.Cash flow ratios
177
Riaz Exchange Co. (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
113,348
202,979
210,320
209,160
202,031
100,000
200,000
200,000
200,000
200,000
13,348
2,979
10,320
9,160
2,031
3,996
2,899
2,196
1,445
676
3,303
2,619
1,326
1,130
416
693
280
870
315
260
117,344
205,878
212,516
210,605
202,707
87,911
151,208
154,051
157,178
147,312
74,671
135,884
139,625
150,026
142,343
b.Other assets
13,240
15,324
14,426
7,152
4,969
29,433
54,670
58,465
53,427
55,395
a.Fixed assets
2,662
4,001
4,294
3,160
3,679
b.Other assets
26,771
50,669
54,171
50,267
51,716

15,910
18,056
28,849
40,808
22,948
7,778
9,707
11,630
11,407
11,833
8,204
10,226
19,236
29,003
13,643
5,178
6,630
12,341
18,841
8,870
10,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
959
590
(402)
22,483
4,979
4.57%
3.27%
5.87%
9.01%
4.39%
7.19%
5.03%
9.11%
13.85%
6.74%
4.41%
3.22%
5.81%
8.95%
4.38%
0.95
0.95
0.60
0.39
0.87
0.52
0.33
0.62
0.94
0.44
63.63%
66.00%
65.70%
71.24%
70.22%
1.Revenue
E.Other items
G.Liquidity ratios
26.62
57.74
116.18
139.10
354.12
3.41%
1.41%
1.03%
0.69%
0.33%
96.59%
98.59%
98.97%
99.31%
99.67%
11.33
10.15
10.52
10.46
10.10
0.19
0.09
-0.03
1.19
0.56
0.29
0.23
-0.30
19.90
11.97


I.Cash flow ratios
178
Royal International Exchange Company (Pvt) Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
103,374
104,038
181,454
169,087
264,895
104,000
104,000
200,000
200,000
300,000
(626)
38
(18,546)
(30,913)
(35,105)
655
681
844
2,350
10,974
655
681
844
2,350
10,405
569
104,029
104,719
182,298
171,437
275,869
76,007
75,993
128,595
111,676
219,829
75,685
74,364
118,644
102,184
206,189
322
1,629
9,951
9,492
13,640
28,022
28,726
53,703
59,761
56,040

b.Other assets
a.Fixed assets
2,021
2,725
3,620
4,261
6,040
b.Other assets
26,001
26,001
50,083
55,500
50,000
1.Revenue
15,804
19,674
22,059
50,660
69,855
14,616
17,058
20,439
48,044
64,219
129
1,020
(18,134)
(17,423)
5,636
84
664
(18,584)
(12,368)
1,394

E.Other items
1,040
1,040
2,000
2,000
3,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(584)
(6)
(237)
(14,868)
6,718
0.08%
0.64%
-10.24%
-7.31%
0.53%
0.12%
0.98%
-9.99%
-10.30%
2.12%
0.08%
0.63%
-10.19%
-7.21%
0.51%
113.30
16.72
-1.13
-2.76
11.39
0.08
0.64
-9.29
-6.18
0.46
72.75%
71.01%
65.08%
59.60%
74.74%
116.04
111.59
152.36
47.52
21.13
0.63%
0.65%
0.46%
1.37%
3.98%
99.37%
99.35%
99.54%
98.63%
96.02%
99.40
100.04
90.73
84.54
88.30
-6.95
-0.01
0.01
1.20
4.82
-0.89
-0.01
-0.28
-6.33
0.65
G.Liquidity ratios

I.Cash flow ratios
179
Wall Street Exchange Company (Pvt.) Ltd.

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
204,766
207,196
214,479
229,180
250,494
200,000
200,000
200,000
200,000
200,000
4,766
7,196
14,479
29,180
50,494
101,472
105,267
129,048
222,581
243,979
101,472
105,267
129,048
222,581
243,979
306,238
312,463
343,527
451,761
494,473
249,180
240,405
252,630
354,374
397,694
134,472
194,453
134,390
298,696
357,866
b.Other assets
114,708
45,952
118,240
55,678
39,828
57,058
72,058
90,897
97,387
96,779
a.Fixed assets
16,928
18,360
35,333
41,178
40,308
b.Other assets
40,130
53,698
55,564
56,209
56,471

65,412
82,898
122,726
219,960
268,573
(57,371)
(67,487)
107,580
189,814
231,973
5,014
10,003
11,391
23,620
32,791
3,214
7,167
7,283
14,701
21,314
20,000
20,000
20,000
20,000
20,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
82,538
(32,437)
182,188
66,889
1.57%
3.46%
3.40%
6.41%
8.51%
2.45%
4.83%
5.31%
10.31%
13.09%
1.05%
2.29%
2.12%
3.25%
4.31%
-11.44
-6.75
9.44
8.04
7.07
0.16
0.36
0.36
0.74
1.07
43.91%
62.23%
39.12%
66.12%
72.37%
1.Revenue
E.Other items
G.Liquidity ratios
2.46
2.28
1.96
1.59
1.63
33.14%
33.69%
37.57%
49.27%
49.34%
66.86%
66.31%
62.43%
50.73%
50.66%
10.24
10.36
10.72
11.46
12.52
0.00
11.52
-4.45
12.39
3.14
0.00
0.78
-0.25
0.82
0.27


I.Cash flow ratios
180
2010
INSURANCE COMPANIES
CY10 turned out to be positive for insurance sector in Pakistan. The aggregate insurance business
(both life and non-life insurance including Takaful) grew sharply during CY10. Its balance sheet size
expanded by 14.3 percent and reached Rs 440.3 billion in CY10. Profit before and after taxation
declined considerably during CY10.
Analysis of Equity
Total equity of insurance sector
Components of Equity
50.0
in CY09 to Rs. 84.9 Billion in CY10,
12%
8%
Billion Rs
40.0
recording an increase of around 0.7

percent. The share capital (SC) also
6%
30.0
1%
0%
20.0
0.0
CY09. Contribution of share capital in
Share Capital
(SC)
Reserves (RS)
Un
Appropriated
Profit (RE)
equity was 28.3 percent in CY10.
CY09
22.3
37.8
24.3
Total reserves of insurance companies
CY10
24.0
38.2
22.7
Growth
8%
1%
-7%
comprising
reserves
-6%
-7%
10.0
increased by 7.8 percent in CY10 over
Growth
increased from Rs. Rs 84.3 billion
-12%
and
unappropriated profit touched Rs 60.9 billion in CY10 as compared to Rs. 62.0 billion last year.
Analysis of assets
Total assets (TA) at Rs. 440.3 billion
Components of Assets
percent over CY09. The dominating
500.0
part in assets was investment in
400.0
securities and properties (IS) of Rs.
300.0
percent of TA in CY10 decreased by
0.0
CY10
over
30%
26%
10%
-30%
preceding year. Total assets grew both
in
50%
-10%
100.0
percent
Growth
200.0
the
58.9
CY10
14%
Billion Rs
113.2 in CY10. IS contributing 25.7
CY09
Growth
in CY10, showing an increase of 14.3
-50%
-59%
-70%
C&B
IS
TA
in Life and non-Life Sectors. Total

assets of non-Life sector increased from Rs. 131.5 billion in CY09 to Rs 143.9 billion in CY10,
181
2010
recording a growth of 9.4 percent. Similarly, total assets of Life Insurance Sector grew by 17.0 percent
over CY09. In absolute terms, it increased from Rs 247.9 billion in CY09 to Rs. 290.1 billion in
CY10.
Total liabilities (TL) of insurance
CY09
sector at Rs 300.0 billion in CY09
350.0
Rs 354.2 billion. Balances of statutory
300.0
250.0
200.0
150.0
100.0
50.0
0.0
billion in CY09 and Rs 262.6 billion in
Billion Rs.
increased by 18.0 percent in CY10 to

funds (BSF) have been Rs 223.5
CY10, showing an increase of 17.5
percent. The composition of BSF to
TL was 74.5 and 74.1 in CY09 and
CY10
respectively.
Out
of
CY10
Growth
400.0
50%
43%
18%
17%
TL
BSF
OC
40%
30%
20%
10%
0%
-10%
-20% -20%
-30%
MISC
total
liabilities, around 80 percent pertains to life insurance business.

The
main
source
of
revenue
of
Premium Income Positions
insurance sector is premium. The gross

100.0
billion which increased by 11.4 percent
80.0
to reach Rs. 97.4 billion in CY10.

Investment income which was Rs. 36.4
billion in CY09 decreased by 75.1
percent to reach Rs 9.1 billion in CY10.
Profit before and after tax dropped to
Billion Rs.
premium for year CY09 was Rs 87.4
97.4
87.4
75.7
66.9
60.0
Net Premium
40.0
20.0
0.0
CY09
Rs. 5.3 billion and Rs. 3.4 billion in

CY10 respectively.
182
Gross
Premium
CY10
2010
Return on equity (ROE) which was 7.8

percent in CY09 droppped to 4.1 percent
7.80%
in CY10.Similarly, return on assets
8.00%
(ROA) which was 1.71 percent in CY10
6.00%
decreased to 0.78 percent in CY10.
4.00%
4.05%
CY09
CY10
1.71%
0.78%
2.00%
0.00%
ROE
Earning per share (EPS) at Rs. 2.29 in
marginally decreased from Rs. 29.41 per

share to Rs. 29.36 per share in CY10.
29.41
30
Rs. per Share
CY10. Breakup value per share (BPS) is
Valuation per Share
35
CY09, reached Rs. 1.19 per share in
ROA
29.36
25
CY09
20
15
CY10
10
5
2.29
1.19
0
EPS
183
BPS
Insurance Companies - Overall

Items
1.Share capital
2.Reserves
4.Others

1.Balance of statutory funds
2.Outstanding claims, adv., prem., due to other insurers

1.Cash and balances with banks
2.Advances to policy holders & employs
3.Investments in securities & properties
5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
27,709,178
8,075,054
4,707,827
14,926,297
669,873
189,414,000
149,019,823
32,450,662
7,943,515
217,793,051
22,373,299
9,489,714
158,501,694
24,798,814
2,629,530
67,502,889
11,649,281
14,970,812
40,882,796
391,391
232,750,781
174,570,642
47,748,921
10,431,218
300,645,061
24,015,788
11,925,982
222,852,848
38,061,663
3,788,780
79,294,355
21,001,523
44,317,746
13,975,086
316,877
263,404,552
193,936,317
52,695,558
16,772,677
343,015,784
41,361,289
13,844,094
235,570,708
47,301,536
4,938,157
84,319,908
22,291,755
37,757,097
24,271,056
819,131
300,169,598
223,525,201
47,774,239
28,870,158
385,308,637
34,183,294
16,678,112
275,622,467
52,405,483
6,419,281
84,945,004
24,027,893
38,225,069
22,692,042
1,179,112
354,171,054
262,565,755
68,496,099
23,109,200
440,295,170
43,233,608
546,135
113,208,909
277,772,545
5,533,973
28,561,855
48,362,717
38,643,911
26,325,166
21,154,055
6,457,752
14,793,995
14,128,795
58,362,392
61,274,668
47,738,030
34,750,950
27,675,822
10,108,015
39,808,398
38,969,919
14,174,965
76,150,980
60,955,357
42,809,380
34,725,276
27,183,638
(1,876,153)
(3,422,146)
36,385,553
87,428,602
66,891,124
44,853,530
35,270,353
29,215,507
7,970,541
6,575,665
9,046,097
97,380,750
75,691,783
52,516,546
36,035,547
14,987,697
5,308,117
3,443,284
787,237
1,763,470
2,669,063
2,867,533
2,892,877
N/A
N/A
5,435,839
N/A
N/A
4,027,860
N/A
N/A
830,219
N/A
N/A
2,328,621
N/A
N/A
9,186,914
50.99%
6.49%
17.95
123.27%
45.71%
73.91%
57.73%
12.96%
22.10
137.40%
25.94%
122.26%
-4.32%
-1.00%
-1.28
123.09%
-794.34%
23.25%
7.80%
1.71%
2.29
106.51%
444.30%
54.40%
4.05%
0.78%
1.19
130.43%
435.27%
11.95%
0.10
72.78%
0.08
74.12%
0.12
68.68%
0.09
71.53%
0.10
25.71%
12.72%
35.20
22.45%
38.28
23.12%
29.71
21.88%
29.41
19.29%
29.36
38.47%
10.34%
35.41%
266.81%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
6.Underwriting profit
E.Other items
2.Cash dividend

3.Earning per share (D8/E1) (rs. per share)
4.Claims incurred to net premium (B2/D4)
5.Underwriting profit to profit after tax. (D6/D8)
6.Investment income to net premium (D1/D3)
G.Liquidity ratios
1.Cash & bank balances to total assets (C1/C)
2. Investment to total assets (C3/C)

2.Break up value per share (A/E1) (Rs. per share)
I.Cash flow ratio

1.Cash generated from operating activities to profit after tax. (E4/D8) (time)
184
-24.26%
Life Insurance Corporations - Overall

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,542,476
2,352,120
(332,628)
522,984
16,000
160,572,991
148,976,136
8,354,576
3,242,279
163,131,467
16,971,299
9,364,439
130,509,488
5,862,215
424,026
3,591,548
2,879,120
(126,017)
838,445
0
188,153,972
174,542,524
9,887,550
3,723,898
191,745,520
15,226,491
11,522,580
156,872,639
7,609,287
514,523
3,845,833
3,550,720
454,004
(158,891)
127,208
210,435,786
193,737,166
11,796,266
4,902,354
214,408,827
23,248,989
13,715,744
167,762,427
8,872,574
809,093
4,552,704
3,632,080
10,474
910,150
127,208
243,297,422
223,481,460
11,277,889
8,538,073
247,977,334
18,748,616
16,542,211
200,982,882
10,410,990
1,292,635
5,280,633
3,777,576
811,071
691,986
127,208
284,741,490
261,884,095
20,722,648
2,134,747
290,149,331
27,782,284
411,115
36,131,264
224,762,620
1,062,048
15,337,751
19,685,832
21,755,775
8,620,740
10,564,907
4,292,472
799,035
657,771
20,418,637
24,870,987
26,817,670
10,717,469
13,000,049
9,192,113
2,056,431
1,678,708
18,922,502
33,644,399
33,475,344
19,133,182
18,330,205
22,835,966
211,025
(132,100)
21,371,584
40,568,637
39,775,876
21,669,000
20,921,771
24,929,952
1,187,872
1,227,145
3,445,886
52,162,756
50,855,196
22,121,901
21,180,539
13,266,748
1,527,278
1,012,289
154,212
206,912
280,122
304,208
349,111
N/A
N/A
4,450,048
N/A
N/A
3,463,829
N/A
N/A
2,494,830
N/A
N/A
2,433,056
N/A
N/A
10,095,741
25.87%
0.40%
4.27
96.91%
652.58%
70.50%
46.74%
0.88%
8.11
92.26%
547.57%
76.14%
-3.43%
-0.06%
-0.47
61.65%
-17,286.88%
56.53%
26.95%
0.49%
4.03
52.05%
2,031.54%
53.73%
19.17%
0.35%
2.90
93.67%
1,310.57%
6.78%
0.10
80.00%
0.08
81.81%
0.11
78.24%
0.08
81.05%
0.10
12.45%
1.56%
16.49
1.87%
17.36
1.79%
13.73
1.84%
14.97
1.82%
15.13
676.53%
206.34%
-1,888.59%
198.27%
997.32%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

185
Amercian Life Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
133,249
325,000
(191,751)
0
0
1,533,803
1,279,671
185,441
68,691
1,667,052
375,739
31,003
1,096,468
121,253
42,589
329,542
500,000
(170,458)
0
0
1,926,152
1,595,024
254,393
76,735
2,255,694
209,205
41,553
1,761,958
168,421
74,557
379,763
500,000
(120,237)
0
0
2,369,735
1,961,522
312,609
95,604
2,749,498
164,756
53,623
1,801,339
657,500
72,280
581,065
500,000
81,065
0
0
2,771,591
2,318,142
325,000
128,449
3,352,656
106,526
68,306
2,856,069
255,923
65,832
669,193
500,000
169,193
0
0
3,669,489
3,238,863
296,435
134,191
4,338,682
64,025
83,051
3,795,700
337,353
58,553
112,306
747,156
655,042
232,825
230,160
585,867
40,834
40,442
143,087
888,204
802,053
277,729
261,600
661,987
46,900
32,078
208,723
1,155,000
1,048,496
362,000
332,228
415,508
78,059
50,221
248,389
1,349,482
1,267,953
396,613
363,070
554,620
96,141
62,492
326,117
1,893,849
1,806,525
524,643
442,406
0
133,403
86,712
32,500
0.05%
0.00%
155,451
50,000
0.00%
0.54%
222,191
50,000
0.00%
0.00%
(228,857)
50,000
0.00%
0.00%
762,793
50,000
0.00%
0.00%
590,201
30.35%
2.43%
1.24
79.65%
1,448.66%
17.14%
9.73%
1.42%
0.64
91.60%
2,063.68%
17.84%
13.22%
1.83%
1.00
86.36%
827.36%
19.91%
10.75%
1.86%
1.25
81.94%
887.51%
19.59%
12.96%
2.00%
1.73
56.50%
0.00%
18.05%
0.23
65.77%
0.09
78.11%
0.06
65.52%
0.03
85.19%
0.01
87.49%
7.99%
4.10
14.61%
6.59
13.81%
7.60
17.33%
11.62
15.42%
13.38
384.38%
692.66%
-455.70%
1,220.63%
680.65%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

186
Asia Care Health & Life Insurance Co., Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
183,570
160,000
2,500
21,070
127,208
67,135
0
8,639
58,496
377,913
128,417
0
6,356
80,338
162,802
228,456
200,000
2,500
25,956
127,208
63,854
0
6,301
57,553
419,518
148,998
0
22,456
79,301
168,763
228,456
200,000
2,500
25,956
127,208
63,854
0
6,301
57,553
419,518
148,998
0
22,456
79,301
168,763
9,570
0
29,768
0
10,952
0
7,355
4,886
19,549
0
32,203
0
14,737
0
9,448
5,518
19,549
0
32,203
0
14,737
0
9,448
5,518
50
0.00%
0.33%
(21)
20,000
0.00%
0.00%
(26)
20,000
0.00%
0.00%
(26)
2.66%
1.29%
97.72
2.42%
1.32%
0.28
2.42%
1.32%
0.28
0.00%
32.15%
0.00%
60.71%
0.00%
60.71%
0.34
1.68%
0.36
5.35%
0.36
5.35%
48.57%
3,671.40
54.46%
11.42
54.46%
11.42
-0.43%
-0.47%
-0.47%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

187
E.F.U.Life Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
730,248
300,000
190,000
240,248
0
6,969,980
6,314,689
514,658
140,633
7,700,228
683,275
15,847
6,573,206
189,008
238,892
1,277,925
500,000
170,000
607,925
0
12,037,325
11,130,268
689,938
217,119
13,315,250
949,466
13,151
11,757,140
333,318
262,175
1,254,381
750,000
570,000
(65,619)
0
10,703,367
9,567,235
760,127
376,005
11,957,748
1,425,424
45,098
9,684,973
493,908
308,345
1,628,540
750,000
232,500
646,040
0
16,218,941
14,767,466
880,656
570,819
17,847,481
1,365,803
59,015
15,053,389
1,019,066
350,208
1,579,275
850,000
232,500
496,775
0
20,583,460
18,865,481
1,214,459
503,520
22,162,735
826,325
55,583
19,711,968
1,147,984
420,875
465,565
3,338,078
3,042,316
951,440
758,980
1,665,944
337,769
235,969
3,027,910
4,817,874
4,431,546
1,146,866
887,393
4,784,264
1,434,745
1,207,292
56,681
9,597,777
6,136,944
7,418,139
4,369,507
371,433
(314,959)
(473,159)
58,853
9,597,777
5,570,211
7,418,139
3,911,444
66,535
647,721
711,659
1,657,014
8,375,515
7,920,022
2,171,470
1,837,151
4,246,398
551,035
363,235
30,000
0.20%
0.67%
1,225,226
50,000
0.30%
0.50%
1,707,444
115,000
32.50%
0.00%
(507,154)
115,000
32.50%
0.00%
204,961
85,000
0.50%
0.00%
3,217,244

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

32.31%
3.06%
7.87
54.09%
706.00%
15.30%
94.47%
9.07%
24.15
60.16%
396.28%
68.33%
-37.72%
-3.96%
-4.11
10.25%
-78.50%
0.92%
43.70%
3.99%
6.19
11.87%
9.35%
1.06%
23.00%
1.64%
4.27
55.93%
1,169.05%
20.92%
0.09
85.36%
0.07
88.30%
0.12
80.99%
0.08
84.34%
0.04
88.94%
9.48%
24.34
9.60%
25.56
10.49%
10.91
9.12%
14.16
7.13%
18.58
519.23%
141.43%
107.18%
28.80%
885.72%
G.Liquidity ratios

I.Cash flow ratio

188
East West Life Insurance Co., Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
139,471
200,000
(60,529)
0
16,000
118,349
103,725
12,097
2,527
273,820
72,885
18,588
159,431
14,896
8,020
372,333
352,000
20,333
0
0
128,963
111,940
12,662
4,361
501,296
240,151
17,966
198,875
17,918
26,386
415,341
413,600
1,741
0
0
147,823
119,822
15,503
12,498
563,164
95,896
10,933
376,890
32,834
46,611
149,369
454,960
(305,591)
0
0
198,947
162,256
19,395
17,296
348,316
59,770
9,464
197,560
31,257
50,265
146,958
500,456
0
(353,498)
0
256,916
213,986
28,022
14,908
403,874
136,182
8,553
194,146
22,422
42,571
22,861
120,610
69,249
80,104
35,864
17,765
16,851
15,969
93,639
166,055
90,299
133,102
67,193
5,715
84,266
83,362
60,927
194,538
107,753
157,013
78,078
(20,218)
44,326
44,708
(197,021)
235,769
154,489
165,143
94,895
(20,218)
(222,596)
(1,236)
25,713
250,054
5,848
162,347
152,937
66,115
5,246
3,194
20,000
0.00%
0.00%
(38,214)
35,200
0.10%
0.00%
51,868
41,360
0.00%
0.00%
(50,872)
45,496
0.00%
0.00%
(50,870)
21,399
0.00%
0.00%
(11,010)
11.45%
5.83%
0.80
15.10%
111.25%
33.01%
22.39%
16.63%
2.37
9.51%
6.86%
103.70%
10.76%
7.94%
1.08
9.87%
-45.22%
56.54%
-0.83%
-0.35%
-0.03
11.74%
1,635.76%
-127.53%
2.17%
0.79%
0.15
17.26%
2,069.97%
439.69%
0.27
58.22%
0.48
39.67%
0.17
66.92%
0.17
56.72%
0.34
48.07%
50.94%
6.97
74.27%
10.58
73.75%
10.04
42.88%
3.28
36.39%
6.87
-239.30%
62.22%
-113.79%
4,115.70%
-344.71%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

189
New Jubilee Life Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
356,772
627,120
(270,348)
0
0
3,684,948
3,318,280
252,672
113,996
4,041,720
1,506,956
3,285
2,317,733
139,966
73,780
481,228
627,120
(145,892)
0
0
5,370,587
4,967,990
307,051
95,546
5,851,815
2,109,065
3,718
3,481,067
175,936
82,029
416,562
627,120
(210,558)
0
5,226,315
4,629,457
476,459
120,399
5,642,877
3,257,997
4,266
2,031,512
254,523
94,579
(80,615)
0
7,777,475
6,788,311
751,169
237,995
8,323,980
2,123,027
3,876
5,579,564
118,115
499,398
1,149,873
627,120
0
522,753
0
10,196,600
9,144,236
1,051,320
1,044
11,346,473
1,084,664
4,560
9,673,115
423,265
160,869
58,475
2,291,224
2,077,593
786,779
627,801
1,259,262
94,798
82,655
50,439
2,978,851
2,777,076
1,168,089
1,001,012
1,754,710
150,028
125,456
(110,311)
3,435,119
3,457,103
1,756,884
760,675
1,112,379
(49,972)
(54,972)
78,014
4,363,155
4,384,114
1,710,439
814,037
1,878,176
160,744
129,943
1,302,972
5,802,439
5,451,804
2,049,922
1,661,786
3,075,253
217,268
146,752
62,712
0.05%
0.00%
987,887
62,712
0.05%
0.00%
1,091,360
62,712
0.00%
0.00%
591,271
62,712
0.00%
0.00%
1,150,556
62,712
0.15%
0.00%
1,829,289
23.17%
2.05%
1.32
32.11%
1,523.52%
2.81%
26.07%
2.14%
2.00
26.29%
1,398.67%
1.82%
-13.20%
-0.97%
-0.88
27.12%
-2,023.54%
-3.19%
23.78%
1.56%
2.07
43.92%
1,445.38%
1.78%
12.76%
1.29%
2.34
51.29%
2,095.54%
23.90%
0.37
57.35%
0.36
59.49%
0.58
36.00%
0.26
67.03%
0.10
85.25%
8.83%
5.69
8.22%
7.67
7.38%
6.64
6.57%
8.71
10.13%
18.34
1,195.19%
869.91%
-1,075.59%
885.43%
1,246.52%
546,505
627,120

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

190
State Life Insurance Corporation Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,182,736
900,000
0
282,736
0
148,265,911
137,959,771
7,389,708
2,916,432
149,448,647
14,332,444
9,295,716
120,362,650
5,397,092
60,745
1,130,520
900,000
0
230,520
0
168,690,945
156,737,302
8,623,506
3,330,137
169,821,465
11,718,604
11,446,192
139,673,599
6,913,694
69,376
1,196,216
1,100,000
0
96,216
0
191,921,411
177,459,130
10,222,929
4,239,352
193,117,627
18,176,499
13,601,824
153,861,357
7,353,471
124,476
1,418,769
1,100,000
0
318,769
0
216,266,614
199,445,285
9,295,368
7,525,961
217,685,383
14,944,492
16,401,550
177,273,844
8,907,328
158,169
1,506,878
1,100,000
406,878
0
0
249,971,171
230,421,529
18,126,111
1,423,531
251,478,049
25,522,090
259,368
2,733,879
222,752,295
210,417
14,678,544
13,188,764
15,911,575
6,569,592
8,912,102
763,634
308,783
282,736
17,103,562
16,020,003
18,716,696
7,991,683
10,782,851
1,985,437
340,492
230,520
18,696,912
19,261,965
22,695,280
9,439,146
12,778,765
20,956,864
446,216
296,216
21,163,800
25,022,454
28,366,906
11,978,666
15,723,588
22,450,839
496,414
318,769
114,521
35,840,899
35,638,794
17,213,519
17,071,522
5,878,982
610,878
406,878
9,000
0.00%
0.00%
2,119,698
9,000
0.00%
0.00%
390,966
11,000
0.00%
0.00%
2,690,463
11,000
0.00%
0.00%
365,642
110,000
0.00%
0.00%
4,470,043
23.91%
0.19%
31.42
112.48%
270.09%
92.25%
20.39%
0.14%
25.61
107.91%
861.29%
91.38%
24.76%
0.15%
26.93
108.30%
7,074.86%
82.38%
22.47%
0.15%
28.98
77.60%
7,042.98%
74.61%
27.00%
0.16%
3.70
105.30%
1,444.90%
0.32%
0.10
80.54%
0.07
82.25%
0.09
79.67%
0.07
81.44%
0.10
1.09%
0.79%
131.42
0.67%
125.61
0.62%
108.75
0.65%
128.98
0.60%
13.70
749.71%
169.60%
908.28%
114.70%
1,098.62%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

191
Non-Life Insurance Corporations - Overall

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
24,852,978
5,362,929
5,050,550
14,439,499
375,996
28,674,909
0
24,064,562
4,610,347
53,903,883
4,776,809
125,275
27,962,506
18,885,480
2,153,813
62,559,155
7,340,689
15,136,423
40,082,043
387,069
43,973,756
0
37,373,947
6,599,809
106,919,980
7,737,427
403,402
65,609,802
30,036,327
3,133,022
72,363,220
14,076,979
43,832,526
14,453,715
197,098
50,927,358
0
40,338,587
10,588,771
123,487,676
16,541,933
128,350
66,300,133
36,766,352
3,750,908
76,318,893
14,927,614
37,721,953
23,669,326
699,353
54,511,689
0
35,693,459
18,818,230
131,529,935
13,879,345
135,901
72,750,728
40,046,826
4,717,135
76,596,477
16,442,375
37,342,615
22,811,487
1,059,333
66,268,974
0
46,331,746
19,937,228
143,924,784
13,733,562
135,020
75,125,281
50,868,915
4,062,006
13,222,262
28,597,142
16,855,549
17,651,936
10,550,750
2,171,515
13,990,647
13,492,952
37,914,904
35,709,360
20,703,166
23,708,797
14,460,473
956,969
37,698,228
37,328,076
(4,931,449)
41,920,550
25,877,146
23,153,577
15,574,270
3,937,830
(2,073,042)
(3,246,109)
14,808,299
44,713,425
25,894,880
21,904,913
13,605,280
4,073,584
6,976,341
5,433,994
3,905,909
42,143,508
23,596,487
29,171,195
14,078,268
1,500,660
3,949,567
2,540,149
597,025
1,413,611
2,051,558
2,220,119
2,162,972

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend
N/A
N/A
948,046
N/A
N/A
543,422
N/A
N/A
(1,267,544)
N/A
N/A
171,778
N/A
N/A
(1,011,464)
54.29%
25.03%
22.60
136.33%
16.09%
78.44%
59.67%
34.91%
26.41
157.64%
2.56%
183.14%
-4.49%
-2.63%
-1.58
174.22%
-121.31%
-19.06%
7.12%
4.13%
2.45
162.95%
74.96%
57.19%
3.32%
1.76%
1.17
158.83%
59.08%
16.55%
0.09
51.87%
0.07
61.36%
0.13
53.69%
0.11
55.31%
0.10
52.20%
46.11%
41.63
58.51%
44.25
58.60%
35.27
58.02%
34.38
53.22%
35.41
7.03%
1.46%
39.05%
3.16%

G.Liquidity ratios

I.Cash flow ratio

192
-39.82%
ACE Insurance Aid Pacific Ltd.

Items
1.Share capital
2.Reserves
4.Others
2007
2008
85,160
80,000
145,398
120,000
1,185
24,213
224,670
200,000
24,670
0
0
456,931
0
88,327
368,604
681,601
361,707
0
0
308,942
10,952
224,670
200,000
24,670
0
0
456,931
0
88,327
368,604
681,601
361,707
0
0
308,942
10,952
5,061
61,644
9,825
353
172,827
8,514
191,216
160,000
31,216
0
0
359,627
0
51,595
308,032
550,843
305,165
0
414
236,513
8,751
394
228,521
60,631
45,473
25,425
16,181
19,898
13,994
558
363,954
96,564
71,401
39,922
23,101
30,889
19,538
61
0
87,899
0
25,309
18,611
36,391
21,593
28
292,402
82,891
108,195
32,165
3,091
29,503
16,358
28
292,402
82,891
108,195
32,165
3,091
29,503
16,358
8,000
12,000
14,484
109,316
16,000
0.00%
0.00%
(1,118)
20,000
0.00%
0.00%
(13,827)
20,000
0.00%
0.00%
(13,827)
16.43%
8.34%
1.75
143.28%
115.63%
0.65%
13.44%
4.38%
1.63
390.88%
118.24%
0.58%
11.29%
3.92%
1.35
86.19%
0.07%
7.28%
2.40%
0.82
81.64%
18.90%
0.03%
7.28%
2.40%
0.82
81.64%
18.90%
0.03%
0.54
3.02%
0.59
0.08%
0.55
0.08%
0.53
0.00%
0.53
0.00%
50.78%
10.65
32.62%
12.12
34.71%
11.95
32.96%
11.23
32.96%
11.23
103.50%
559.50%
-5.18%


5.Fixed assets
(Thousand Rupees)
2009
2010
2006
5,160
2010
82,546
300,355
65,152
17,394
167,706
91,176
279,089
21,266
445,753
264,059

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

193
-84.53%
-84.53%
Adamjee Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
3,787,873
1,022,351
963,123
1,802,399
0
7,351,226
0
6,518,012
833,214
11,139,099
883,228
26,259
4,502,776
5,367,709
359,127
7,651,747
1,022,351
963,123
5,666,273
0
11,114,216
0
9,979,928
1,134,288
18,765,963
954,197
27,312
8,132,102
8,887,247
765,105
8,791,099
1,022,351
1,078,231
6,690,517
0
10,451,381
0
8,753,875
1,697,506
19,242,480
2,207,453
26,852
7,333,959
8,722,167
952,049
10,781,175
1,124,586
1,136,547
8,520,042
0
10,831,203
0
2,344,753
8,486,450
21,612,378
2,157,104
28,383
9,658,030
8,913,124
855,737
11,034,999
1,237,045
1,163,848
8,634,106
0
16,851,736
0
14,655,138
2,196,598
27,886,735
2,704,817
22,086
9,406,998
14,651,443
1,101,391
1,515,259
8,951,866
5,280,128
5,661,203
3,354,851
481,939
1,684,747
1,576,501
4,486,366
9,378,578
5,531,818
6,548,240
3,915,091
119,251
4,284,885
4,201,250
1,098,050
10,442,659
6,685,378
6,601,192
5,173,152
367,062
1,175,877
1,099,150
2,479,419
9,929,749
6,806,897
5,643,943
4,452,839
679,257
2,608,348
2,447,020
779,089
10,952,551
6,883,397
10,598,852
4,833,516
280,506
576,598
518,916
102,235
0.28%
0.13%
(283,267)
102,235
0.30%
0.00%
(16,324)
102,235
0.00%
0.00%
(354,139)
112,459
30.00%
10.00%
291,555
123,705
0.25%
0.00%
(48,276)
41.62%
14.15%
15.42
115.13%
30.57%
28.70%
54.91%
22.39%
41.09
152.41%
2.84%
81.10%
12.50%
5.71%
10.75
132.61%
33.40%
16.42%
22.70%
11.32%
21.76
41.54%
27.76%
36.43%
4.70%
1.86%
4.19
138.27%
54.06%
11.32%
0.08
40.42%
0.05
43.33%
0.11
38.11%
0.10
44.69%
0.10
33.73%
34.01%
37.05
40.77%
74.84
45.69%
85.99
49.88%
95.87
39.57%
89.20
11.91%
-9.30%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

-17.97%
194
-0.39%
-32.22%
Alflah Insurance Company Ltd

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
177,183
101,200
48,255
27,728
0
262,184
0
204,578
57,606
439,367
80,324
0
143,592
205,709
9,742
256,146
121,440
50,655
84,051
0
258,620
0
236,533
22,087
514,766
160,201
0
108,531
235,744
10,290
232,588
161,920
50,655
20,013
0
248,403
0
215,266
33,137
480,991
166,588
0
77,292
225,124
11,987
325,229
303,600
10,175
11,454
363,944
259,476
0
220,015
39,461
948,649
144,886
0
195,602
597,736
10,425
325,229
303,600
10,175
11,454
363,944
259,476
0
220,015
39,461
948,649
144,886
0
195,602
597,736
10,425
21,693
163,141
109,740
85,367
58,617
22,265
36,784
27,666
84,580
147,918
99,501
89,796
61,658
4,453
86,487
84,023
14,400
135,055
77,039
90,494
48,543
(9,723)
2,870
(17,486)
29,215
116,083
61,511
88,487
53,161
(26,270)
(7,737)
(821,076)
29,215
116,083
61,511
88,487
53,161
(26,270)
(7,737)
(821,076)
10,120
0.00%
0.00%
21,615
12,144
0.05%
0.33%
(38,167)
16,192
0.00%
0.00%
(44,856)
30,360
0.00%
0.00%
(29,111)
30,360
0.00%
0.00%
(29,111)
15.61%
6.30%
2.73
239.65%
80.48%
19.77%
32.80%
16.32%
6.92
263.41%
5.30%
85.00%
-7.52%
-3.64%
-1.08
237.88%
55.60%
18.69%
-252.46%
-86.55%
-27.04
248.64%
3.20%
47.50%
-252.46%
-86.55%
-27.04
248.64%
3.20%
47.50%
0.18
32.68%
0.31
21.08%
0.35
16.07%
0.15
20.62%
0.15
20.62%
40.33%
17.51
49.76%
21.09
48.36%
14.36
34.28%
10.71
34.28%
10.71
256.53%
3.55%
3.55%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

78.13%
195
-45.42%
Asia Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
96,109
80,000
2,500
13,609
26,109
66,417
0
17,952
48,465
188,635
57,680
0
4,496
64,671
61,788
138,053
120,000
2,500
15,553
27,208
67,382
0
7,540
59,842
232,643
96,321
0
4,103
69,167
63,052
183,570
160,000
2,500
21,070
127,208
67,135
0
8,639
58,496
377,913
128,417
0
6,356
80,338
162,802
228,457
200,000
2,500
25,957
127,208
63,854
0
6,301
57,553
419,519
148,998
0
22,456
79,301
168,764
282,918
250,000
2,500
30,418
127,208
45,887
0
2,149
43,738
456,013
163,401
0
56,822
59,518
176,272
4,503
47,130
28,998
23,667
13,287
6,121
11,433
11,270
7,232
54,302
33,411
26,148
14,680
7,143
12,304
9,485
9,570
53,644
32,203
26,522
14,737
3,261
9,448
5,518
19,549
46,537
29,768
31,941
10,952
1,460
7,355
4,886
21,108
46,534
29,451
7,101
7,474
4,101
9,043
4,461
8,000
0.10%
0.00%
4,717
12,000
0.10%
0.50%
(4,311)
16,000
0.00%
0.33%
(3,130)
20,000
0.00%
0.00%
(14,860)
25,000
0.00%
0.00%
17,574
11.73%
5.97%
1.41
75.85%
54.31%
15.53%
6.87%
4.08%
0.79
28.84%
75.31%
21.65%
3.01%
1.46%
0.34
32.57%
59.10%
29.72%
2.14%
1.16%
0.24
19.73%
29.88%
65.67%
1.58%
0.98%
0.18
30.26%
91.93%
71.67%
0.31
2.38%
0.41
1.76%
0.34
1.68%
0.36
5.35%
0.36
12.46%
50.95%
12.01
59.34%
11.50
48.57%
11.47
54.46%
11.42
62.04%
11.32
-304.13%
393.95%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

41.85%
196
-45.45%
-56.72%
Askari General Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
232,911
120,577
50,000
62,334
4,658
645,227
0
569,714
75,513
882,796
126,399
1,895
380,116
303,230
71,156
284,639
156,750
65,000
62,889
4,658
828,297
0
724,184
104,113
1,117,594
169,783
2,817
423,227
417,796
103,971
295,957
203,775
74,658
17,524
0
921,294
0
813,079
108,215
1,217,251
85,108
2,956
512,843
489,357
126,987
268,412
203,775
74,658
(10,021)
0
927,340
0
839,746
87,594
1,195,752
114,277
4,197
413,607
533,027
130,644
315,833
203,776
74,659
37,398
0
1,138,101
0
1,022,808
115,293
1,453,934
91,251
2,159
510,063
802,813
47,648
28,333
717,450
507,240
386,087
300,057
108,056
84,512
57,090
51,759
829,100
583,322
487,099
378,581
79,802
69,996
51,728
12,536
1,002,654
650,429
513,880
423,393
72,996
17,386
6,659
(28,174)
1,089,649
805,176
630,052
(522,426)
78,757
(15,075)
(27,544)
51,096
1,344,036
639,901
616,816
385,890
109,137
53,347
47,418
12,057
0.00%
0.30%
64,514
15,675
0.00%
0.30%
88,696
20,377
0.00%
0.00%
25,684
20,377
0.00%
0.00%
4,856
20,378
0.00%
0.10%
(53,585)
24.51%
6.47%
4.74
147.56%
189.27%
5.59%
18.17%
4.63%
3.30
148.67%
154.27%
8.87%
2.25%
0.55%
0.33
158.22%
1,096.20%
1.93%
-10.26%
-2.30%
-1.35
133.28%
-285.93%
-3.50%
15.01%
3.26%
2.33
165.82%
230.16%
7.98%
0.14
43.06%
0.15
37.87%
0.07
42.13%
0.10
34.59%
0.06
35.08%
26.38%
19.32
25.47%
18.16
24.31%
14.52
22.45%
13.17
21.72%
15.50
113.00%
171.47%
385.70%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

197
-17.63%
-113.01%
Atlas Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
671,498
158,844
211,064
301,590
0
519,977
0
460,791
59,186
1,191,475
75,573
969
674,805
420,480
19,648
970,153
206,497
353,064
410,592
0
763,281
0
697,522
65,759
1,733,434
200,780
724
1,010,747
479,504
41,679
626,019
268,447
557,064
(199,492)
0
713,944
0
697,631
16,313
1,339,963
195,929
465
494,201
600,072
49,296
747,963
335,559
222,064
190,340
0
1,157,130
0
1,141,136
15,994
1,905,093
660,191
201
558,250
639,030
47,421
856,397
369,115
244,064
243,218
0
1,178,337
0
1,159,164
19,173
2,034,734
492,581
177
772,048
726,012
43,916
190,198
553,277
348,725
237,308
133,190
154,995
358,706
300,719
314,703
709,197
447,000
383,256
215,104
144,593
467,406
409,846
(305,174)
861,402
507,946
428,206
231,434
158,386
(140,994)
(199,585)
118,230
782,700
443,534
265,444
192,355
104,467
(140,994)
(199,585)
102,634
1,004,381
530,269
304,586
(176,504)
199,924
327,130
242,658
15,880
0.70%
0.30%
41,122
20,650
0.70%
0.30%
175,398
26,844
0.25%
0.25%
2,067
118,230
0.00%
0.00%
357,794
36,912
0.40%
0.25%
30,056
44.78%
25.24%
18.94
194.17%
51.54%
54.54%
42.25%
23.64%
19.85
182.00%
35.28%
70.40%
-31.88%
-14.89%
-7.43
162.92%
-79.36%
-60.08%
-26.68%
-10.48%
-1.69
429.90%
-52.34%
26.66%
28.33%
11.93%
6.57
380.57%
82.39%
19.36%
0.06
56.64%
0.12
58.31%
0.15
36.88%
0.35
29.30%
0.24
37.94%
56.36%
42.29
55.97%
46.98
46.72%
23.32
39.26%
6.33
42.09%
23.20
13.67%
42.80%
-1.04%
-179.27%
12.39%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

198
Capital Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
93,529
88,042
5,487
126,737
120,362
6,375
209,329
200,157
12,936
(3,764)
8,747
122,898
0
48,904
73,994
340,974
71,516
0
91,019
156,426
22,013
209,329
200,157
12,936
(3,764)
8,747
122,898
0
48,904
73,994
340,974
71,516
0
91,019
156,426
22,013
51,651
14,802
37,503
35,570
24,653
38,488
163,049
160,125
12,936
(10,012)
9,207
68,398
0
17,841
50,557
240,654
67,572
0
87,845
62,696
22,541
887
16,959
10,735
17,664
3,494
2,895
4,719
3,841
10,392
16,196
10,252
11,893
1,756
2,925
15,235
(8,562)
3,645
0
7,106
0
(6,829)
(9,055)
(11,280)
(11,475)
12,870
55,593
10,682
9,480
(1,590)
389
6,956
5,787
12,870
55,593
10,682
9,480
(1,590)
389
6,956
5,787
8,804
0.90%
0.65%
(2,641)
12,036
16,013
0.00%
0.00%
(10,686)
20,016
0.00%
0.00%
(53,545)
20,016
0.00%
0.00%
(53,545)
4.11%
2.95%
0.44
89.16%
75.37%
8.26%
-6.76%
-5.54%
-0.71
132.97%
-34.16%
101.37%
-7.04%
-4.77%
-0.72
78.91%
51.29%
2.76%
1.70%
0.29
515.86%
6.72%
120.48%
2.76%
1.70%
0.29
515.86%
6.72%
120.48%
0.20
39.71%
0.36
23.03%
0.28
36.50%
0.21
26.69%
0.21
26.69%
71.91%
10.62
82.06%
10.53
67.75%
10.18
61.39%
10.46
61.39%
10.46
65.90%
93.12%
-925.26%
-925.26%
530
35,996
548
27,163
15,750
20,246
130,055
26,099
15,814
11,349
154,448
55,737

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend
(5,642)

G.Liquidity ratios

I.Cash flow ratio

-68.76%
199
Central Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,458,306
139,834
133,088
1,185,384
0
126,744
0
92,755
33,989
1,585,050
307,548
0
1,146,086
126,867
4,549
4,115,396
139,834
133,088
3,842,474
0
188,336
0
146,257
42,079
4,303,732
97,520
0
4,017,496
185,076
3,640
4,187,070
184,581
133,088
3,869,401
0
156,610
0
137,895
18,715
4,343,680
64,773
0
4,124,141
151,606
3,160
3,293,190
203,039
133,088
2,957,063
0
155,731
0
141,349
14,382
3,448,921
65,136
0
3,249,876
131,369
2,540
3,738,730
279,179
133,088
3,326,463
0
179,647
0
110,234
69,413
3,918,377
10,296
6,930
3,774,216
124,991
1,944
767,673
185,666
42,073
69,707
26,344
12,453
730,310
750,090
2,752,567
145,629
20,851
23,055
8,713
12,612
2,764,738
2,747,982
128,412
110,070
14,758
24,235
6,562
14,993
133,687
116,421
128,412
123,891
13,397
50,816
7,695
10,774
(844,897)
(855,118)
177,501
117,092
10,509
1,095
4,701
3,996
497,180
491,224
13,983
0.50%
0.00%
(24,339)
13,983
0.50%
0.20%
(29,932)
18,458
0.20%
0.20%
5,914
20,304
0.20%
0.20%
9,519
27,918
0.25%
0.50%
(34,033)
51.44%
47.32%
53.64
133.06%
1.66%
1,824.62%
66.77%
63.85%
196.52
634.38%
0.46%
13,201.13%
2.78%
2.68%
6.31
568.99%
12.88%
870.12%
-25.97%
-24.79%
-42.12
278.16%
-1.26%
958.51%
13.14%
12.54%
17.60
10,067.03%
0.81%
1,689.04%
0.19
72.31%
0.02
93.35%
0.01
94.95%
0.02
94.23%
0.00
96.32%
92.00%
104.29
95.62%
294.31
96.39%
226.84
95.48%
162.19
95.42%
133.92
-3.24%
-1.09%
5.08%
-1.11%
-6.93%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

200
Century Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
374,831
203,219
72,244
99,368
0
320,595
0
295,526
25,069
695,426
79,417
0
358,758
231,368
25,883
522,534
254,024
94,033
174,477
0
1,169,031
0
1,058,385
110,646
1,691,565
248,821
0
464,231
947,458
31,055
921,959
457,244
373,024
91,691
0
371,585
0
330,418
41,167
1,293,544
316,416
0
464,449
470,132
42,547
852,000
457,244
373,024
21,732
0
299,836
0
259,048
40,788
1,151,836
75,313
0
735,978
297,334
43,211
961,633
457,244
373,024
131,365
0
368,834
0
312,834
56,000
1,330,467
87,060
0
840,031
358,785
44,591
62,871
340,053
208,594
123,230
109,741
66,657
105,099
95,801
169,378
356,401
218,622
164,129
146,163
37,933
168,158
167,992
(38,041)
406,147
241,371
338,942
79,296
122,260
53,753
18,422
(73,034)
427,410
206,646
96,319
64,707
95,030
(39,947)
(69,958)
105,875
467,394
219,070
201,235
106,646
63,644
121,062
109,631
20,321
0.10%
0.25%
71,558
25,402
0.00%
0.30%
30,378
45,724
0.00%
0.00%
(167,937)
45,724
0.00%
0.00%
117,191
45,724
0.10%
0.00%
8,867
25.56%
13.78%
4.71
239.82%
69.58%
30.14%
32.15%
9.93%
6.61
644.85%
22.58%
77.48%
2.00%
1.42%
0.40
97.49%
663.66%
-15.76%
-8.21%
-6.07%
-1.53
268.95%
-135.84%
-35.34%
11.40%
8.24%
2.40
155.46%
58.05%
48.33%
0.11
51.59%
0.15
27.44%
0.24
35.91%
0.07
63.90%
0.07
63.14%
53.90%
18.45
30.89%
20.57
71.27%
20.16
73.97%
18.63
72.28%
21.03
74.69%
18.08%
-911.61%
-167.52%
8.09%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

201
E.F.U.General Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,777,958
500,000
500,000
777,958
12,902
8,837,136
0
8,234,001
603,135
10,627,996
1,135,916
4,972
3,963,984
5,178,566
344,558
16,164,267
1,000,000
600,000
14,564,267
12,902
11,212,806
0
10,491,258
721,548
27,389,975
1,162,876
3,770
18,867,856
6,930,434
425,039
10,093,041
1,150,000
14,400,000
(5,456,959)
12,902
11,123,749
0
10,277,630
846,119
21,229,692
1,303,684
2,880
12,091,082
7,223,793
608,253
10,451,590
1,150,000
8,500,000
801,590
12,902
11,474,458
0
9,710,098
1,764,360
21,938,950
1,349,606
2,775
12,885,838
7,155,256
545,475
9,591,171
1,250,000
8,341,171
0
0
14,950,498
0
13,849,184
1,101,314
24,541,669
1,706,571
3,293
11,899,434
10,223,286
709,085
696,466
7,945,729
5,417,952
6,020,120
4,131,705
364,937
857,573
761,978
14,812,295
8,961,395
6,110,504
7,419,674
5,092,241
(176,932)
14,457,295
14,536,309
(5,299,619)
9,598,000
6,136,944
7,418,000
4,369,507
371,433
(5,442,922)
(5,471,226)
673,524
9,694,833
5,570,211
5,267,381
3,911,444
66,535
801,443
732,299
(357,955)
9,699,192
5,846,591
8,176,868
3,941,583
111,875
(359,763)
(413,321)
50,000
0.30%
1.00%
609,277
100,000
0.60%
0.15%
252,082
115,000
32.50%
0.00%
(507,154)
115,000
40.00%
8.70%
204,961
125,000
0.13%
0.00%
140,124
42.86%
7.17%
15.24
136.77%
47.89%
12.85%
89.93%
53.07%
145.36
141.40%
-1.22%
242.41%
-54.21%
-25.77%
-47.58
138.55%
-6.79%
-86.36%
7.01%
3.34%
6.37
184.34%
9.09%
12.09%
-4.31%
-1.68%
-3.31
169.37%
-27.07%
-6.12%
0.11
37.30%
0.04
68.89%
0.06
56.95%
0.06
58.73%
0.07
48.49%
16.73%
35.56
59.02%
161.64
47.54%
87.77
47.64%
90.88
39.08%
76.73
79.96%
1.73%
9.27%
27.99%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

202
-33.90%
East West Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
322,851
150,305
100,200
72,346
10,000
278,250
0
216,313
61,937
611,101
69,885
0
316,224
173,424
51,568
634,084
172,851
100,200
361,033
10,000
319,599
0
273,563
46,036
963,683
79,596
0
565,276
254,071
64,740
866,835
228,526
110,200
528,109
0
406,489
0
76,513
329,976
1,273,324
76,231
0
813,959
280,529
102,605
329,712
228,526
100,200
986
0
330,770
0
41,679
289,091
660,482
55,220
0
232,810
257,468
114,984
338,155
251,379
77,200
9,576
0
295,487
0
290,341
5,146
633,642
40,123
0
191,758
276,918
124,843
64,599
372,706
237,097
166,528
83,561
48,935
72,226
60,447
330,006
502,243
319,502
250,080
125,486
53,470
335,969
326,263
255,149
0
405,705
0
168,452
80,338
277,016
265,827
(561,658)
674,106
436,968
314,945
178,296
89,271
(527,995)
537,123
32,019
584,241
331,968
306,991
(151,321)
45,451
15,548
8,443
15,030
0.20%
0.15%
0
17,285
0.10%
0.17%
0
22,853
0.00%
0.00%
47,017
22,853
0.00%
0.00%
10,293
25,138
0.00%
0.10%
1,846
18.72%
9.89%
4.02
129.90%
80.96%
27.25%
51.45%
33.86%
18.88
109.39%
16.39%
103.29%
30.67%
20.88%
11.63
0.11
51.75%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

30.22%
62.89%
162.91%
81.32%
23.50
13.23%
16.62%
-128.54%
2.50%
1.33%
0.34
94.58%
538.33%
9.65%
0.08
58.66%
0.06
63.92%
0.08
35.25%
0.06
30.26%
52.83%
21.48
65.80%
36.68
68.08%
37.93
49.92%
14.43
53.37%
13.45
0.00%
0.00%
17.69%
1.92%
21.86%
G.Liquidity ratios

I.Cash flow ratio

203
Excel Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
114,687
90,000
110
24,577
0
44,069
0
25,016
19,053
158,756
16,035
0
76,759
58,771
7,191
134,187
120,000
110
14,077
0
40,435
0
21,747
18,688
174,622
24,003
0
85,694
54,836
10,089
181,754
160,000
110
21,644
0
41,139
0
20,825
20,314
222,893
13,365
0
155,044
44,208
10,276
203,725
200,000
110
3,615
0
33,172
0
26,495
6,677
236,897
101,131
0
59,941
67,069
8,756
282,954
250,000
32,844
110
0
24,544
0
17,207
7,337
307,498
57,683
0
185,621
57,457
6,737
25,223
30,338
14,968
35,042
3,590
514
16,180
15,912
28,682
32,961
16,262
48,113
4,929
(752)
19,802
14,077
17,299
42,018
18,289
19,199
7,236
1,164
9,444
21,644
2,741
42,018
18,051
19,199
4,551
2,607
(931)
(2,029)
37,011
31,108
16,090
5,905
4,272
1,033
31,689
29,229
9,000
0.00%
0.01%
(8,269)
12,000
0.00%
0.03%
(28,972)
16,000
0.00%
0.00%
1,829
20,000
0.00%
0.00%
(19,075)
25,000
0.00%
0.00%
(9,252)
13.87%
10.02%
1.77
71.39%
3.23%
168.51%
10.49%
8.06%
1.17
45.20%
-5.34%
176.37%
11.91%
9.71%
1.35
108.47%
5.38%
94.59%
-1.00%
-0.86%
-0.10
138.00%
-128.49%
15.18%
10.33%
9.51%
1.17
291.40%
3.53%
230.02%
0.10
48.35%
0.14
49.07%
0.06
69.56%
0.43
25.30%
0.19
60.36%
72.24%
12.74
76.84%
11.18
81.54%
11.36
86.00%
10.19
92.02%
11.32
-205.81%
8.45%
940.12%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

-51.97%
204
-31.65%
Habib Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
960,102
219,700
129,122
611,280
0
563,443
0
401,755
161,688
1,523,545
126,435
905
691,063
671,607
33,535
1,237,675
296,595
504,122
436,958
0
863,429
0
711,642
151,787
2,101,104
129,940
981
1,313,616
613,159
43,408
663,290
355,914
654,122
(346,746)
0
794,176
0
592,613
201,563
1,457,466
57,435
1,899
719,561
634,086
44,485
823,544
400,403
204,122
219,019
0
792,791
0
540,481
252,310
1,616,335
26,520
1,899
932,041
611,390
44,485
851,885
400,403
197,360
254,122
0
815,100
0
570,936
244,164
1,666,985
57,999
3,143
925,540
641,355
38,948
604,110
547,048
268,075
239,612
122,423
52,954
605,833
600,945
443,375
685,606
335,974
425,065
217,176
6,628
407,517
420,378
(390,531)
734,275
397,960
380,313
202,219
67,687
(379,447)
(396,428)
(390,531)
734,275
397,960
380,313
202,219
67,687
(379,447)
(396,428)
149,355
754,013
394,643
317,065
183,787
87,471
192,188
168,482
43,940
0.65%
0.35%
38,722
59,319
0.60%
0.20%
24,770
71,182
0.13%
0.13%
(88,311)
71,182
0.13%
0.13%
(88,311)
80,081
0.25%
0.13%
4,160
62.59%
39.44%
13.68
167.67%
8.81%
225.35%
33.97%
20.01%
7.09
167.42%
1.58%
131.97%
-59.77%
-27.20%
-5.57
155.82%
-17.07%
-98.13%
-48.14%
-24.53%
-5.57
142.11%
-17.07%
-98.13%
19.78%
10.11%
2.10
180.07%
51.92%
37.85%
0.08
45.36%
0.06
62.52%
0.04
49.37%
0.02
57.66%
0.03
55.52%
63.02%
21.85
58.91%
20.86
45.51%
9.32
50.95%
11.57
51.10%
10.64
6.44%
5.89%
22.28%
22.28%
2.47%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

205
Hallmark Insurance Co., Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
879
5,000
0
(4,121)
0
3,301
0
1,448
1,853
4,180
964
0
0
1,828
1,388
600
5,000
0
(4,400)
0
3,336
0
1,448
1,888
3,936
720
0
0
1,828
1,388
0
0
0
0
0
0
(272)
(272)
0
0
0
0
0
0
(279)
(279)
0
0
0
0
0
0
0
0
500
0.00%
0.00%
(232)
500
0.00%
0.00%
(244)
500
0.00%
0.00%
(228)
-30.94%
-6.51%
-0.54
-46.50%
-7.09%
-0.56
0.00%
0.00%
0.00
115
5,000
0
(4,885)
0
3,412
0
1,448
1,964
3,527
492
0
0
1,910
1,125

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

0.00%
0.00%
0.23
0.00%
0.18
0.00%
0.14
0.00%
21.03%
1.76
15.24%
1.20
3.26%
0.23
85.29%
87.46%
G.Liquidity ratios

I.Cash flow ratio

206
International General Insurance Co. of Pakistan Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
8,509,721
199,563
823,740
7,486,418
0
1,889,329
0
762,658
1,126,671
10,399,050
139,557
0
9,246,736
720,673
292,084
11,280,350
319,301
8,103,740
2,857,309
0
2,823,754
0
1,118,664
1,705,090
14,104,104
205,911
0
12,404,727
1,184,183
309,283
10,846,519
598,689
10,624,177
(376,347)
0
2,354,120
0
878,223
1,475,897
13,200,639
258,260
0
11,709,948
929,900
302,531
10,960,813
598,689
10,534,374
(172,250)
0
1,405,253
0
124,523
1,280,730
12,366,066
6,809
0
11,235,758
842,954
280,545
11,575,854
718,427
10,264,964
592,463
0
1,384,597
0
76,565
1,308,032
12,960,451
421
0
12,002,730
783,406
173,894
7,315,629
756,495
426,471
366,986
186,981
226,929
7,357,109
7,342,370
3,021,533
1,039,605
586,073
682,635
347,805
160,803
2,984,217
2,930,279
(157,476)
1,035,000
542,515
423,000
240,931
193,166
(404,103)
(377,042)
(414,649)
1,155,775
614,586
437,930
257,052
253,103
364,766
263,966
929,344
1,247,470
720,733
473,625
364,411
205,095
920,771
836,556
19,956
0.40%
0.60%
227,769
31,930
0.40%
0.25%
2,306
59,869
0.15%
0.50%
(27,651)
59,869
35.00%
0.00%
126,941
71,843
0.30%
0.55%
278,667
86.28%
70.61%
367.93
207.82%
3.09%
1,715.39%
25.98%
20.78%
91.77
163.87%
5.49%
515.56%
-3.48%
-2.86%
-6.30
207.62%
-51.23%
-29.03%
2.41%
2.13%
4.41
28.43%
95.88%
-67.47%
7.23%
6.45%
11.64
16.17%
24.52%
128.94%
0.01
88.92%
0.01
87.95%
0.02
88.71%
0.00
90.86%
0.00
92.61%
81.83%
426.42
79.98%
353.28
82.17%
181.17
88.64%
183.08
89.32%
161.13
3.10%
0.08%
7.33%
48.09%
33.31%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

207
National Insurance Corporation

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
14,104,699
2,000,000
10,400,000
1,704,699
0
8,147,936
0
5,944,797
2,203,139
22,252,635
4,807,038
25,298
11,626,851
5,711,066
82,382
16,137,364
2,000,000
11,500,000
2,637,364
0
11,135,642
0
8,186,245
2,949,397
27,273,006
3,514,665
26,767
15,416,074
7,312,172
1,003,328
15,728,795
2,000,000
11,500,000
2,228,795
0
11,079,800
0
8,186,245
2,893,555
26,808,595
3,486,575
26,767
15,427,447
7,527,628
340,178
(389,169)
5,492,000
2,903,518
1,243,924
1,028,247
1,583,379
1,513,614
1,050,277
2,030,436
5,655,348
3,004,999
3,058,338
986,654
1,630,096
3,579,468
2,524,567
2,011
5,655
3,005
3,058
987
1,630
3,586
2,533
200,000
0.00%
0.00%
528,334
200,000
0.00%
0.00%
1,023,667
200,000
0.00%
0.00%
(1,316)
7.45%
4.72%
5.25
477.91%
150.76%
-13.40%
15.64%
9.26%
12.62
267.67%
64.57%
67.57%
0.02%
0.01%
0.01
267,699.31%
64.35%
66.92%
0.22
52.25%
0.13
56.53%
0.13
57.55%
63.38%
70.52
59.17%
80.69
58.67%
78.64
50.30%
40.55%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

208
-51.95%
New Hampshire Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,073,053
1,073,053
0
0
0
814,820
0
141,802
673,018
1,887,873
546,920
0
435,617
817,610
87,726
1,241,289
1,241,289
0
0
0
956,695
0
216,705
739,990
2,197,984
319,850
0
863,092
936,126
78,916
1,241,289
1,241,289
0
0
0
956,695
0
216,705
739,990
2,197,984
319,850
0
863,092
936,126
78,916
92,189
0
479,927
0
205,594
152,668
82,599
52,498
131,761
849,199
382,172
406,573
169,222
98,923
32,203
17,142
131,761
849,199
382,172
406,573
169,222
98,923
32,203
17,142
107,305
0.00%
0.00%
(224,313)
124,129
0.00%
0.00%
104,776
124,129
0.00%
0.00%
104,776
4.89%
2.78%
0.49
290.81%
19.21%
1.38%
0.78%
0.14
53.30%
577.08%
34.48%
1.38%
0.78%
0.14
53.30%
577.08%
34.48%
0.29
23.07%
0.15
39.27%
0.15
39.27%
56.84%
10.00
56.47%
10.00
56.47%
10.00
-427.28%
611.22%
611.22%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

209
New Jubilee Insurance Comapny Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,079,573
439,432
702,139
938,002
0
2,366,938
0
1,967,856
399,082
4,446,511
1,686,561
314
1,334,789
1,299,500
125,347
2,411,663
549,290
1,203,939
658,434
2,961,315
559,728
5,932,706
1,680,625
433
2,032,089
2,040,607
178,952
2,061,314
659,148
1,553,232
(151,066)
0
3,363,858
0
2,749,505
614,353
5,425,172
1,670,155
364
1,554,039
2,102,654
97,960
2,621,006
659,148
1,255,332
706,526
0
3,798,883
0
3,040,509
758,374
6,419,889
2,028,132
294
1,902,811
2,382,103
106,549
2,873,413
790,977
1,575,332
507,104
0
4,798,183
0
437,230
4,360,953
7,671,596
974,783
791
3,822,205
2,776,305
97,512
690,178
2,803,541
1,486,429
1,196,369
887,587
99,676
933,955
839,888
599,208
3,430,376
1,818,775
1,905,556
1,413,733
(207,033)
575,041
588,456
181,707
3,526,000
2,186,443
1,829,800
1,332,461
108,115
(179,153)
(267,249)
452,253
3,916,086
2,297,720
1,951,318
1,420,977
114,121
771,898
656,464
407,598
4,223,635
2,451,227
2,291,778
1,677,614
(64,085)
546,682
450,151
43,943
0.40%
0.25%
426,896
54,929
0.30%
0.20%
58,306
65,915
0.00%
0.00%
(102,885)
65,915
30.00%
20.00%
216,551
0
0.20%
0.25%
474,037
40.39%
18.89%
19.11
164.49%
11.87%
46.43%
24.40%
9.92%
10.71
155.40%
-35.18%
32.95%
-12.96%
-4.93%
-4.05
150.26%
-40.45%
8.31%
25.05%
10.23%
9.96
155.82%
17.38%
19.68%
15.67%
5.87%
19.08%
-14.24%
16.63%
0.38
30.02%
0.28
34.25%
0.31
28.64%
0.32
29.64%
0.13
49.82%
46.77%
47.32
40.65%
43.91
38.00%
31.27
40.83%
39.76
37.46%
50.83%
9.91%
38.50%
32.99%
105.31%
3,521,043

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

210
Pakistan Reinsurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,449,374
450,000
1,277,419
721,955
281,000
3,733,915
0
3,414,778
319,137
6,464,289
209,984
32,045
3,642,410
2,551,236
28,614
6,098,518
540,000
1,777,419
3,781,099
281,000
5,117,531
0
4,788,990
328,541
11,497,049
1,021,124
48,441
6,463,114
3,933,666
30,704
7,265,744
3,000,000
2,058,419
2,207,325
0
5,262,715
0
4,908,677
354,038
12,528,459
2,836,632
53,006
5,506,687
4,091,466
40,668
6,785,655
3,000,000
2,058,419
1,727,236
0
5,586,960
0
5,284,063
302,897
12,372,615
1,833,648
53,667
5,526,830
4,909,805
48,665
6,130,908
3,000,000
1,777,419
1,353,489
281,000
6,122,986
0
437,230
5,685,756
12,534,894
2,416,631
55,092
4,716,518
5,299,237
47,416
771,733
3,951,007
1,415,505
1,864,964
776,710
125,041
783,044
671,844
3,689,377
4,730,554
1,693,082
2,236,125
931,289
205,998
3,858,647
3,725,253
846,394
4,516,903
1,895,574
1,654,119
961,692
206,136
1,138,999
886,225
1,099,396
5,211,129
2,170,949
1,021,680
904,799
481,499
318,280
269,911
653,470
6,445,810
2,940,508
2,821,099
1,688,408
291,143
650,504
526,253
45,000
0.20%
0.20%
32,405
54,000
0.20%
4.56%
(36,181)
300,000
0.00%
0.00%
(19,026)
300,000
0.00%
0.00%
(122,713)
300,000
0.30%
0.00%
114,425
27.43%
10.39%
14.93
183.10%
18.61%
54.52%
61.08%
32.40%
68.99
214.16%
5.53%
217.91%
12.20%
7.07%
2.95
296.75%
23.26%
44.65%
3.98%
2.18%
0.90
517.19%
178.39%
50.64%
8.58%
4.20%
1.75
15.50%
55.32%
22.22%
0.03
56.35%
0.09
56.22%
0.23
43.95%
0.15
44.67%
0.19
37.63%
37.89%
54.43
53.04%
112.94
57.99%
24.22
54.84%
22.62
48.91%
20.44
4.82%
-0.97%
-2.15%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

211
-45.46%
21.74%
PICIC Insurance Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
226,101
200,000
0
26,101
0
380,258
0
323,086
57,172
606,359
228,304
0
0
355,983
22,072
112,208
200,000
0
(87,792)
0
531,633
0
474,371
57,262
643,841
60,747
0
132,298
429,185
21,611
208,956
350,000
0
(141,044)
0
495,280
0
440,432
54,848
704,236
187,410
0
37,107
466,003
13,716
225,810
350,000
0
(124,190)
0
505,279
0
122,024
383,255
731,089
161,010
0
45,118
521,878
3,083
230,837
350,000
0
(119,163)
0
689,085
0
683,269
5,816
919,922
217,889
0
50,654
643,136
8,243
10,076
370,141
236,993
191,473
134,592
29,103
36,917
28,143
19,235
473,858
303,401
381,628
268,258
(97,520)
(94,195)
(93,893)
(3,296)
468,116
227,853
286,575
154,262
(18,738)
(50,417)
(53,252)
10,942
480,130
199,656
196,405
106,295
10,942
16,854
16,854
6,221
504,873
166,770
195,243
(91,135)
4,890
5,090
5,027
20,000
0.00%
0.00%
13,433
20,000
0.00%
0.00%
(37,401)
35,000
0.00%
0.00%
(118,820)
35,000
0.00%
0.00%
(56,889)
35,000
0.00%
0.00%
44,113
12.45%
4.64%
1.41
168.74%
103.41%
4.25%
-83.68%
-14.58%
-4.69
124.30%
103.86%
6.34%
-25.48%
-7.56%
-1.52
153.69%
35.19%
-1.45%
7.46%
2.31%
0.48
62.13%
64.92%
5.48%
2.18%
0.55%
0.14
349.96%
97.27%
3.73%
0.38
0.00%
0.09
20.55%
0.27
5.27%
0.22
6.17%
0.24
5.51%
37.29%
11.31
17.43%
5.61
29.67%
5.97
30.89%
6.45
25.09%
6.60
47.73%
39.83%
223.13%
-337.54%
877.52%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

212
Pakistan General Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
275,041
200,000
65,000
10,041
9,175
224,782
0
134,535
90,247
508,998
47,979
99
174,496
191,489
94,935
362,066
200,000
55,000
107,066
6,810
175,891
0
123,540
52,351
544,767
138,214
106
170,044
141,172
95,231
356,272
250,000
105,000
1,272
6,441
231,474
0
437,230
(205,756)
594,187
90,857
181
252,579
161,809
88,761
(1,346,842)
0
91,863
0
20,574
51,080
25,405
22,269
8,361,941
219,395
109,891
122,925
29,170
54,970
105,448
84,659
9,263
261,643
110,546
181,579
68,862
21,239
(1,658)
4,826
20,000
0.00%
0.00%
25,129
20,000
0.00%
0.00%
15,677
8.10%
4.38%
1.11

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend
25,000
0.00%
0.10%
33,763

229.38%
-1,466.14%
23.38%
15.54%
4.23
100.50%
64.93%
7,609.30%
1.35%
0.81%
0.19
240.79%
440.10%
8.38%
0.09
34.28%
0.25
31.21%
0.15
42.51%
54.04%
13.75
66.46%
18.10
59.96%
14.25
112.84%
18.52%
699.61%
G.Liquidity ratios

I.Cash flow ratio

213
Pakitan Mutual Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
10,923
0
6,193
4,730
2,077
334
0
236
98
13,334
1,567
0
5,003
4,450
2,314
7,956
0
5,027
2,929
1,944
909
0
292
617
10,809
2,009
0
3,003
2,719
3,078
2,679
0
29
2,650
0
6,577
0
6,051
526
9,256
3,053
0
16
2,879
3,308
2,446
0
29
2,417
0
5,037
0
4,724
313
7,483
1,778
0
0
2,889
2,816
2,446
0
29
2,417
0
5,037
0
4,724
313
7,483
1,778
0
0
2,889
2,816
103
5,373
5,066
116
101
675
(297)
(353)
60
4,824
4,548
456
396
3,816
(3,076)
(3,099)
94
0
4,855
0
(446)
(2,409)
(1,514)
(1,547)
77
5,223
5,009
0
(236)
(2,179)
(1,545)
(1,560)
77
5,223
5,009
0
(236)
(2,179)
(1,545)
(1,560)
0
0.00%
0.00%
95
0
0.00%
0.00%
(1,299)
0
0.00%
0.00%
0
0
0.00%
0.00%
(1,389,168)
0
0.00%
0.00%
(1,389,168)
-38.95%
-28.67%
-57.75%
-16.71%
-63.78%
-20.85%
-63.78%
-20.85%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

-3.23%
-2.65%

203.45%
-191.22%
2.03%
64.04%
-123.14%
1.32%
155.72%
1.94%
139.68%
1.54%
139.68%
1.54%
0.12
37.52%
0.19
27.78%
0.33
0.17%
0.24
0.00%
0.24
0.00%
81.92%
73.61%
28.94%
32.69%
32.69%
-26.91%
41.92%
0.00%
89,049.23%
89,049.23%
G.Liquidity ratios

I.Cash flow ratio

214
Premier Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
1,400,515
166,240
485,025
749,250
0
993,428
0
719,086
274,342
2,393,943
262,480
48
1,080,517
838,388
212,510
1,846,206
199,488
1,020,025
626,693
0
1,096,991
0
814,940
282,051
2,943,197
234,929
3,826
1,560,824
921,059
222,559
1,768,874
239,385
1,420,025
109,464
0
932,492
0
647,483
285,009
2,701,366
885,314
3,118
632,744
984,296
195,894
1,774,340
263,323
1,270,025
240,992
0
1,014,379
0
649,875
364,504
2,788,719
220,578
2,412
1,302,087
1,067,030
196,612
1,842,658
302,821
1,270,025
269,812
0
1,258,622
0
843,830
414,792
3,101,280
153,847
1,706
1,399,216
1,293,978
252,533
798,115
630,395
389,232
497,110
216,291
49,251
719,721
715,427
542,582
551,699
346,832
446,721
194,367
22,732
495,685
474,939
185,627
577,114
295,834
0
138,807
8,393
(44,911)
(37,435)
222,181
620,729
335,456
367,395
149,398
20,952
79,653
53,343
162,356
728,833
376,719
411,069
168,204
16,882
141,746
120,983
33,248
0.20%
0.20%
(60,272)
39,897
0.20%
0.20%
(24,078)
47,876
0.20%
0.10%
(171,407)
52,665
0.20%
0.15%
(56,802)
60,564
0.25%
0.15%
(48,672)
51.08%
29.88%
21.52
144.65%
6.88%
205.05%
25.73%
16.14%
11.90
182.43%
4.79%
156.44%
-2.12%
-1.39%
-0.78
-22.42%
62.75%
3.01%
1.91%
1.01
176.89%
39.28%
66.23%
6.57%
3.90%
2.00
205.28%
13.95%
43.10%
0.11
45.14%
0.08
53.03%
0.33
23.42%
0.08
46.69%
0.05
45.12%
58.50%
42.12
62.73%
46.27
65.48%
36.95
63.63%
33.69
59.42%
30.42
-8.42%
-5.07%
457.88%
-106.48%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

215
-40.23%
Reliance Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
243,971
132,500
53,105
58,366
0
331,412
0
265,715
65,697
575,383
105,233
1,144
206,241
197,520
65,245
314,717
176,225
67,605
70,887
0
398,014
0
338,203
59,811
712,731
94,953
940
270,416
275,909
70,513
355,226
229,092
85,105
41,029
0
583,496
0
532,062
51,434
938,722
85,033
965
285,858
495,355
71,511
322,582
252,002
92,605
(22,025)
0
581,766
0
498,766
83,000
904,348
63,046
1,061
282,690
493,071
64,480
374,517
252,002
87,500
35,015
0
528,942
0
457,421
71,521
903,459
57,541
756
284,605
495,898
64,659
30,411
503,126
315,020
252,618
100,209
62,461
80,627
58,327
43,234
632,160
395,811
310,753
156,971
58,526
88,346
70,746
18,263
650,698
445,543
458,356
208,358
48,173
52,260
40,510
53,862
517,474
326,555
260,579
227,456
(51,986)
(30,994)
(32,644)
54,861
503,427
267,920
233,442
96,430
31,930
56,684
51,934
13,250
0.00%
0.33%
78,502
17,622
0.00%
0.30%
29,875
22,909
0.00%
0.10%
(13,817)
25,200
0.00%
0.10%
(91,355)
0
0.00%
0.13%
(58,624)
23.91%
10.14%
4.40
105.18%
107.09%
9.65%
22.48%
9.93%
4.01
108.83%
82.73%
10.92%
11.40%
4.32%
1.77
116.08%
118.92%
4.10%
-10.12%
-3.61%
-1.30
191.41%
159.25%
16.49%
13.87%
5.75%
195.95%
61.48%
20.48%
0.18
35.84%
0.13
37.94%
0.09
30.45%
0.07
31.26%
0.06
31.50%
42.40%
18.41
44.16%
17.86
37.84%
15.51
35.67%
12.80
41.45%
134.59%
42.23%
279.85%
-112.88%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

216
-34.11%
Saudi Pak Insurance Company Ltd

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
215,434
250,000
0
(34,566)
0
134,533
0
117,826
16,707
349,967
129,147
0
59,459
124,192
37,169
185,615
250,000
0
(64,385)
0
413,130
0
393,704
19,426
598,745
118,284
0
77,091
367,901
35,469
200,731
325,000
0
(124,269)
0
433,973
0
401,258
32,715
634,704
99,822
0
78,613
417,997
38,272
200,869
325,000
0
(124,131)
0
321,830
0
299,819
22,011
522,699
32,389
672
100,488
357,867
31,283
10,841
164,023
84,768
162,654
50,600
17,080
(16,234)
(16,764)
21,387
274,673
141,983
366,729
114,086
38,796
(28,979)
(29,820)
(12,596)
283,451
145,286
308,650
(103,300)
(44,632)
(59,884)
(59,884)
10,793
267,730
124,851
144,837
69,939
(8,221)
1,472
847
3,264
202,260
82,071
120,340
69,765
(41,545)
(41,543)
(42,728)
25,000
0.00%
0.00%
(20,023)
25,000
0.00%
0.00%
(1,582)
32,500
0.00%
0.00%
(78,530)
32,500
0.00%
0.00%
(66,841)
-7.78%
-4.79%
-0.67
72.44%
-101.88%
12.79%
-16.07%
-4.98%
-1.19
107.36%
-130.10%
15.06%
-29.83%
-9.43%
-1.84
130.00%
74.53%
-8.67%
0.42%
0.16%
0.03
207.00%
-970.60%
8.64%
0.37
16.99%
0.20
12.88%
0.16
12.39%
0.06
19.22%
0.13
19.31%
61.56%
8.62
31.00%
7.42
31.63%
6.18
38.43%
6.18
39.34%
119.44%
5.31%
131.14%
158,141
325,000
(166,859)
243,826
232,079
11,747
401,967
50,676
872
77,633
246,811
25,975

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend
(27,744)

-27.02%
-10.63%
192.85%
97.23%
3.98%
G.Liquidity ratios

I.Cash flow ratio

217
-7,891.50%
64.93%
Security General Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
445,383
181,500
2,000
261,883
0
581,014
0
119,488
461,526
1,026,397
3,495
0
786,685
173,289
62,928
6,526,241
226,875
2,000
6,297,366
0
799,187
0
159,361
639,826
7,325,428
71,163
0
6,969,086
205,900
79,279
6,532,722
680,625
2,000
5,850,097
0
1,245,712
0
249,024
996,688
7,778,434
119,780
0
7,225,334
353,047
80,273
6,711,035
680,625
2,000
6,028,410
0
992,095
0
304,077
688,018
7,703,130
45,065
0
7,116,566
455,751
85,748
6,711,035
680,625
2,000
6,028,410
0
992,095
0
304,077
688,018
7,703,130
45,065
0
7,116,566
455,751
85,748
251,829
278,213
66,611
215,332
52,942
17,537
181,969
186,374
6,329,299
180,821
43,293
102,071
17,137
26,912
6,258,163
6,262,358
297,564
210,871
69,327
125,767
16,750
41,819
158,589
153,949
446,250
306,795
120,201
66,835
31,282
47,155
329,473
314,439
446,250
306,795
120,201
66,835
31,282
47,155
329,473
314,439
44,538
0.20%
0.10%
(58,250)
652,624
0.10%
10.00%
(15,475)
653,272
0.10%
0.00%
(55,301)
653,272
0.10%
0.00%
(17,521)
653,272
0.00%
0.00%
(17,521)
41.85%
18.16%
4.18
55.49%
9.41%
378.06%
95.96%
85.49%
9.60
156.13%
0.43%
14,619.68%
2.36%
1.98%
0.24
198.00%
27.16%
429.22%
4.69%
4.08%
0.48
454.97%
15.00%
371.25%
4.69%
4.08%
0.48
454.97%
15.00%
371.25%
0.00
76.65%
0.01
95.14%
0.02
92.89%
0.01
92.39%
0.01
92.39%
43.39%
10.00
89.09%
10.00
83.99%
10.00
87.12%
10.27
87.12%
10.27
-5.57%
-5.57%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

-31.25%
218
-0.25%
-35.92%
Shaheen Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
219,333
100,000
20,000
99,333
0
455,644
0
394,457
61,187
674,977
197,362
922
217,816
234,793
24,084
279,540
175,000
20,000
84,540
0
592,176
0
524,735
67,441
871,716
235,861
693
234,104
361,636
39,422
207,787
175,000
20,000
12,787
0
547,455
0
490,031
57,424
755,242
166,841
1,406
181,534
352,515
52,946
225,253
200,000
20,000
5,253
0
504,417
0
645,674
(141,257)
729,670
132,727
1,390
182,609
361,726
51,218
196,220
200,000
20,000
(23,780)
0
521,486
0
437,230
84,256
717,706
136,970
2,137
160,273
357,835
60,491
28,820
739,262
565,327
445,839
352,571
68,376
59,351
50,980
83,774
746,419
570,800
467,875
369,997
34,744
63,061
60,207
(64,649)
701,245
575,732
478,080
333,832
66,392
(63,847)
(71,753)
100,650
645,743
481,636
391,264
267,997
49,155
21,002
17,466
16,671
542,760
417,389
343,555
263,041
20,267
(23,476)
(29,033)
10,000
0.00%
0.75%
58,569
17,500
0.00%
0.00%
(8,233)
17,500
0.00%
0.00%
(30,912)
20,000
0.00%
0.00%
(73,685)
20,000
0.00%
0.00%
(30,241)
23.24%
7.55%
5.10
88.48%
134.12%
5.10%
21.54%
6.91%
3.44
112.15%
57.71%
14.68%
-34.53%
-9.50%
-4.10
102.50%
-92.53%
-11.23%
7.75%
2.39%
0.87
165.02%
281.43%
20.90%
-14.80%
-4.05%
-1.45
127.27%
-69.81%
3.99%
0.29
32.27%
0.27
26.86%
0.22
24.04%
0.18
25.03%
0.19
22.33%
32.49%
21.93
32.07%
15.97
27.51%
11.87
30.87%
11.26
27.34%
9.81
43.08%
-421.88%
104.16%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

114.89%
219
-13.67%
Silver Star Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
175,431
100,000
50,415
25,016
37,525
119,328
0
94,226
25,102
332,284
126,268
4,930
38,429
91,663
70,994
245,980
125,000
89,715
31,265
37,281
156,353
0
116,342
40,011
439,614
211,517
4,422
44,948
100,229
78,498
320,987
168,750
42,203
110,034
37,049
178,201
0
2,320
175,881
536,237
279,284
5,439
51,942
107,716
91,856
355,281
210,938
52,750
91,593
36,829
191,942
0
3,934
188,008
584,052
315,872
8,167
42,692
120,297
97,024
392,780
253,125
63,350
76,305
60,620
293,029
0
437,230
(144,201)
746,429
328,766
6,697
47,614
218,491
144,861
13,192
137,993
86,271
43,465
20,251
49,343
53,990
49,611
13,240
191,985
120,026
54,428
25,476
75,377
77,798
70,173
12,149
0
139,661
0
16,044
84,270
82,292
(7,517)
19,549
220,984
147,869
72,052
28,462
58,972
38,698
(4,625)
8,997
231,572
154,114
119,445
40,909
50,892
38,733
37,291
10,000
0.00%
0.25%
72,889
12,500
0.00%
0.35%
87,004
16,000
0.00%
0.00%
84,772
21,094
0.00%
0.00%
45,454
25,313
0.15%
0.00%
27,674
28.28%
14.93%
4.96
216.79%
99.46%
15.29%
28.53%
15.96%
5.61
213.75%
107.42%
11.03%
-2.34%
-1.40%
-0.47
0.38
11.57%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

-1,121.06%
8.70%
-1.30%
-0.79%
-0.22
5.46%
-1,275.07%
13.22%
9.49%
5.00%
1.47
366.05%
136.47%
5.84%
0.48
10.22%
0.52
9.69%
0.54
7.31%
0.44
6.38%
52.80%
17.54
55.95%
19.68
59.86%
20.06
60.83%
16.84
52.62%
15.52
146.92%
123.99%
-982.79%
74.21%
G.Liquidity ratios

I.Cash flow ratio

220
-1,127.74%
UBL Insurers Ltd

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
284,479
300,000
(15,521)
0
0
22,708
0
0
22,708
307,187
6,898
306
292,302
7,681
0
154,499
300,000
(145,501)
0
0
548,705
0
472,945
75,760
703,204
23,383
219,169
281,815
123,935
54,902
154,424
300,000
0
(145,576)
0
648,038
0
536,163
111,875
802,462
24,738
1,418
114,723
579,407
82,176
226,845
500,000
0
(273,155)
0
615,718
0
551,215
64,503
842,563
18,989
1,473
204,999
551,624
65,478
500,128
800,000
0
(299,872)
0
583,126
0
437,230
145,896
1,083,254
27,389
795
378,957
629,648
46,465
310
0
0
0
0
0
15,521
15,521
25,605
373,298
88,563
236,376
80,030
120,933
129,409
129,980
3,965
522,905
273,616
299,443
145,589
96,816
0
(75)
1,920
579,037
264,807
481,742
234,206
(44,409)
(126,278)
(127,579)
28,768
624,604
238,765
459,886
165,537
26,666
(17,644)
(20,945)
30,000
0.00%
0.00%
(861)
30,000
0.00%
0.00%
22,497
30,000
0.00%
0.00%
(129,185)
50,000
0.00%
0.00%
(122,447)
80,000
0.00%
0.00%
(141,987)
5.46%
5.05%
0.52
84.13%
18.48%
4.33
200.08%
93.04%
28.91%
-0.05%
-0.01%
0.00
179.05%
-129,088.00%
1.45%
-56.24%
-15.14%
-2.55
114.42%
34.81%
0.73%
-4.19%
-1.93%
-0.26
95.07%
-127.31%
12.05%
0.02
95.15%
0.03
40.08%
0.03
14.30%
0.02
24.33%
0.03
34.98%
92.61%
9.48
21.97%
5.15
19.24%
5.15
26.92%
4.54
46.17%
6.25
-5.55%
17.31%
172,246.67%
95.98%
677.90%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

0.00%
G.Liquidity ratios

I.Cash flow ratio

221
United Insurance Company of Pakistan Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
327,417
229,096
98,025
296
1,725
254,970
0
153,385
101,585
584,112
149,028
4,833
59,712
222,930
147,609
427,850
252,006
75,116
100,728
1,639
352,772
0
191,009
161,763
782,261
191,199
1,254
58,461
315,797
215,550
483,845
302,407
75,115
106,323
1,557
359,251
0
208,044
151,207
844,653
206,770
1,631
84,474
328,270
223,508
548,344
345,000
75,116
128,228
1,479
468,499
0
294,799
173,700
1,018,322
218,843
1,664
96,537
393,835
307,443
500,128
800,000
0
(299,872)
0
583,126
0
437,230
145,896
1,083,254
27,389
795
378,957
629,648
46,465
420
414,178
258,296
114,903
50,669
156,850
105,638
95,081
480
501,348
312,658
188,834
83,271
178,531
108,080
100,346
1,662
550,323
356,523
204,880
102,975
168,587
58,223
55,913
10,824
638,266
423,731
239,503
121,560
205,471
72,792
64,421
28,768
624,604
238,765
459,886
165,537
26,666
(17,644)
(20,945)
18,667
0.00%
0.35%
57,164
25,200
0.00%
0.20%
93,042
30,240
0.00%
14.08%
88,705
34,500
0.00%
0.00%
134,972
80,000
0.00%
0.00%
(141,987)
29.04%
16.28%
5.09
133.49%
164.96%
0.16%
23.45%
12.83%
3.98
101.15%
177.92%
0.15%
11.56%
6.62%
1.85
101.54%
301.52%
0.47%
11.75%
6.33%
1.87
123.09%
318.95%
2.55%
-4.19%
-1.93%
-0.26
95.07%
-127.31%
12.05%
0.26
10.22%
0.24
7.47%
0.24
10.00%
0.21
9.48%
0.03
34.98%
56.05%
17.54
54.69%
16.98
57.28%
16.00
53.85%
15.89
46.17%
6.25
60.12%
92.72%
158.65%
209.52%
677.90%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

222
Universal Insurance Company Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
173,840
100,000
13,647
60,193
0
579,540
0
521,314
58,226
753,380
211,981
46,047
0
386,342
109,010
235,606
120,000
18,072
97,534
0
552,122
0
492,244
59,878
787,728
143,232
88,620
0
453,472
102,404
256,914
210,000
14,368
32,546
0
598,817
0
119,646
479,171
855,731
151,974
554
84,172
505,304
113,727
265,093
210,000
10,614
44,479
120,326
618,599
0
131,000
487,599
1,004,018
158,900
773
54,757
553,047
236,541
222,564
497,039
1,163,973
88,309
643
160,175
667,795
247,051
6,639
578,816
390,820
346,425
202,804
36,620
40,511
29,877
15,067
550,254
371,535
319,513
187,049
28,179
70,107
57,341
(1,531)
0
407,075
0
196,970
95,869
34,238
21,062
16,320
556,737
360,799
293,790
181,590
57,840
11,933
8,850
8,172
512,126
328,663
355,874
177,037
(17,243)
(103,433)
(86,485)
10,000
0.00%
0.20%
16,824
12,000
0.00%
0.40%
(67,539)
21,000
0.00%
0.00%
(140,275)
21,000
0.00%
0.00%
(167,136)
26,250
(101,480)
17.19%
3.97%
2.99
150.48%
122.57%
1.70%
24.34%
7.28%
4.78
154.06%
49.14%
4.06%
8.20%
2.46%
1.00
455.18%
-0.38%
3.34%
0.88%
0.42
44.59%
653.56%
4.52%
-37.12%
-7.43%
-3.29
62.54%
19.94%
2.49%
0.28
0.00%
0.18
0.00%
0.18
9.84%
0.16
5.45%
0.08
13.76%
23.07%
17.38
29.91%
19.63
30.02%
12.23
26.40%
12.62
20.02%
8.88
56.31%
-117.78%
-666.01%
232,997
262,500
14,127
(43,630)
211,373
719,603

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

223
-1,888.54%
117.34%
Takaful Companies - Overall

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
313,724
360,005
(10,095)
(36,186)
277,877
166,100
43,687
31,524
90,889
757,701
625,191
0
29,700
51,119
51,691
1,206,788
1,309,472
(40,779)
(61,905)
4,322
322,698
28,118
208,335
86,245
1,533,808
787,811
0
370,054
243,222
132,721
1,821,033
2,140,771
0
(319,738)
(7,429)
866,961
199,151
367,308
300,502
2,680,565
718,282
0
1,072,117
608,487
281,679
1,982,352
2,290,772
0
(308,420)
(7,430)
946,861
43,741
497,859
405,261
2,921,783
873,776
0
1,025,765
702,599
319,643
1,601,935
2,366,653
46,713
(811,431)
(7,429)
1,746,964
681,660
1,136,673
(71,369)
3,341,470
1,036,205
0
1,089,272
895,942
320,051
1,842
79,743
32,587
52,490
38,398
(6,235)
4,313
(21,928)
28,293
330,367
120,630
253,283
175,378
(64,168)
22,850
(56,403)
91,662
586,031
1,035,041
522,621
589,898
238,563
(133,126)
(118,028)
73,881
1,004,939
755,305
764,849
541,915
109,957
(255,378)
(118,974)
1,562,513
1,932,885
775,037
708,682
575,353
118,275
(230,434)
(142,654)
36,000
130,947
214,077
199,077
236,665
N/A
N/A
37,745
N/A
N/A
(88,707)
N/A
N/A
(171,636)
N/A
N/A
(367,162)
N/A
N/A
11,688
-6.99%
-2.89%
-0.61
60.06%
28.43%
5.65%
-4.67%
-3.68%
-0.43
82.25%
113.77%
23.45%
-6.48%
-4.40%
-0.55
70.28%
-202.12%
8.86%
-6.00%
-4.07%
-0.60
65.09%
-92.42%
9.78%
-8.91%
-4.27%
-0.60
160.39%
-82.91%
201.60%
0.83
3.92%
0.51
24.13%
0.27
40.00%
0.30
35.11%
0.31
32.60%
41.40%
8.71
78.68%
9.22
67.93%
8.51
67.85%
9.96
47.94%
6.77
-172.13%
157.27%
145.42%
308.61%
-8.19%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

224
Dawood Family Takaful Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
751,012
750,000
0
1,012
(10,090)
33,054
11,434
1,665
19,955
773,976
114,625
0
543,823
88,407
27,121
718,407
750,000
0
(31,593)
(10,090)
63,757
24,342
15,917
23,498
772,074
132,123
0
451,454
115,008
73,489
652,846
750,000
0
(97,154)
(10,090)
175,373
97,413
76,834
1,126
818,129
163,787
0
393,943
176,361
84,038
43,383
34,017
0
100,000
100,000
0
10,757
5,104
55,689
49,823
0
7,079
2,228
0
(42,834)
(32,605)
1,453,985
203,653
148,731
19,716
5,287
0
(105,270)
(65,561)
75,000
0.00%
0.00%
(106,316)
75,000
0.00%
0.00%
(87,079)
75,000
0.00%
0.00%
(46,413)
0.68%
0.66%
0.07
1.67%
0.00%
-4.54%
-4.22%
-0.43
224.85%
0.00%
-10.04%
-8.01%
-0.87
389.70%
0.00%
977.59%
0.15
70.26%
0.17
58.47%
0.20
48.15%
97.03%
10.01
93.05%
9.58
79.80%
8.70
267.07%
70.79%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

225
-2,082.99%
Pak Qatar Family Takaful Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
(5,926)
0
0
(5,926)
203,259
9,391
0
0
9,391
206,724
204,605
0
0
2,119
0
424,320
451,672
0
(27,352)
1,661
11,307
1,595
176
9,536
437,288
208,641
0
179,278
9,276
40,093
367,095
532,971
0
(165,876)
0
293,332
226,212
65,459
1,661
660,427
81,268
0
285,428
157,717
136,014
431,155
532,972
0
(101,817)
0
122,170
64,110
56,399
1,661
553,325
84,327
0
255,437
99,415
114,146
362,279
608,853
0
(246,574)
0
715,126
575,702
136,034
3,390
1,077,405
349,256
0
406,802
184,850
136,497
0
0
0
0
0
0
(5,925)
(5,925)
9,868
1,267
1,095
0
0
1,095
(21,420)
(21,426)
40,563
121,740
456,177
86,295
37,885
233,279
(105,262)
(62,330)
8,478
26,838
125,102
25,534
21,820
74,195
(115,278)
(72,365)
17,636
1,043,143
152,300
158,833
100,580
0
(105,771)
(72,027)
0
0.00%
0.00%
0
45,167
0.00%
0.00%
(30,644)
53,297
0.00%
0.00%
16,442
53,297
0.00%
0.00%
(63,071)
60,885
0.00%
0.00%
304,614
99.98%
-2.87%
-5.05%
-4.90%
-0.47
-5.11%
901.19%
-16.98%
-9.44%
-1.17
75.85%
-374.26%
8.89%
-16.78%
-13.08%
-1.36
220.88%
-102.53%
6.78%
-19.88%
-6.69%
-1.18
85.65%
0.00%
11.58%
0.99
0.00%
0.48
41.00%
0.12
43.22%
0.15
46.16%
0.32
37.76%
-2.87%
97.03%
9.39
55.58%
6.89
77.92%
8.09
33.63%
5.95
0.00%
143.02%
87.16%
-422.92%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

0.00%
G.Liquidity ratios

I.Cash flow ratio

226
-26.38%
Pak Kuwait Takaful Company Ltd

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
224,511
250,000
0
(25,489)
0
89,518
43,687
31,524
14,307
314,029
218,446
0
18,700
36,699
40,184
225,856
250,000
0
(24,144)
0
183,233
36,424
126,785
20,024
409,089
219,491
0
33,631
114,353
41,614
227,563
250,000
0
(22,437)
0
121,358
(1,544)
101,378
21,524
348,921
142,024
0
42,591
130,034
34,272
387,714
400,000
0
(12,286)
0
141,046
(41,204)
141,933
40,317
528,760
270,181
0
42,461
180,176
35,942
189,529
400,000
46,713
(257,184)
0
417,185
0
437,230
(20,045)
606,714
277,407
0
54,646
240,928
33,733
1,842
79,743
32,587
52,490
38,398
(6,235)
(523)
(1,167)
3,288
260,222
106,340
216,074
158,065
(52,605)
2,646
1,345
558
222,456
143,043
220,097
197,353
(60,173)
1,707
1,707
610
256,734
159,952
219,145
197,534
68,370
12,345
10,151
1,904
322,967
239,644
250,424
229,144
67,902
64,352
59,000
25,000
0.00%
0.00%
31,878
25,000
0.00%
0.00%
4,491
25,000
0.00%
0.00%
(80,188)
40,000
0.00%
0.00%
29,175
40,000
0.00%
0.00%
(13,192)
-0.52%
-0.37%
-0.05
60.06%
534.28%
5.65%
0.60%
0.33%
0.05
58.68%
-3,911.15%
3.09%
0.75%
0.49%
0.07
46.06%
-3,525.07%
0.39%
2.62%
1.92%
0.25
64.77%
673.53%
0.38%
31.13%
9.72%
1.48
174.60%
115.09%
0.79%
0.70
5.95%
0.54
8.22%
0.41
12.21%
0.51
8.03%
0.46
9.01%
71.49%
8.98
55.21%
9.03
65.22%
9.10
73.33%
9.69
31.24%
4.74

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

G.Liquidity ratios

I.Cash flow ratio

-2,731.62%
227
333.90%
-4,697.60%
287.41%
-22.36%
Pak Qatar General Takaful Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
(4,741)
0
0
(4,741)
74,618
30,158
0
0
30,158
100,035
95,761
0
0
4,274
0
297,391
307,800
0
(10,409)
2,661
3,559
28
347
3,184
303,611
177,469
0
106,259
5,773
14,110
278,576
307,800
0
(29,224)
2,661
63,023
0
40,718
22,305
344,260
135,543
0
122,485
53,313
32,919
279,094
307,800
0
(28,706)
2,660
112,824
0
117,779
(4,955)
394,578
30,164
0
221,674
90,283
52,457
266,740
307,800
0
(41,060)
2,661
105,971
0
49,345
56,626
375,372
14,316
0
184,810
140,453
35,793
0
0
0
0
0
0
(4,741)
(4,741)
14,805
1,621
(1,528)
399
399
(1,930)
(5,660)
(5,668)
3,965
0
273,616
0
145,589
96,816
0
(75)
1,920
579,037
264,807
481,742
234,206
(44,409)
(126,278)
(1,301)
87,425
141,503
87,425
162,401
137,620
0
(43,694)
(28,625)
0
0.00%
0.00%
21,142
30,780
0.00%
0.00%
(43,132)
30,780
0.00%
0.00%
(129,185)
30,780
0.00%
0.00%
(122,446)
30,780
0.00%
0.00%
(77,219)
100.00%
-4.74%
-0.03%
-0.02%
0.00
-1.91%
-1.87%
-0.18
86.97%
34.05%
-968.91%
-129,088.00%
1.45%
-0.47%
-0.33%
-0.04
24.45%
3,413.45%
0.73%
-10.73%
-7.63%
-0.93
30.38%
0.00%
100.00%
0.96
0.00%
0.58
35.00%
0.39
35.58%
0.08
56.18%
0.04
49.23%
-4.74%
97.95%
9.66
80.92%
9.05
70.73%
9.07
71.06%
8.67
-445.94%
760.97%
172,246.67%
9,411.68%
269.76%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

0.00%
G.Liquidity ratios

I.Cash flow ratio

228
Takaful Pakistan Ltd.

Items
1.Share capital
2.Reserves
4.Others


5.Fixed assets
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
99,880
110,005
(10,095)
(30)
0
37,033
0
0
37,033
136,913
106,379
0
11,000
8,027
11,507
259,221
300,000
(40,779)
0
0
124,599
(9,929)
81,027
53,501
383,820
182,210
0
50,886
113,820
36,904
196,787
300,000
0
(103,213)
0
356,194
(36,951)
158,088
235,057
552,981
244,822
0
77,790
179,016
51,353
165,982
300,000
0
(134,018)
0
507,064
(3,507)
165,831
344,740
673,046
356,981
0
54,739
217,717
43,609
130,541
300,000
0
(169,459)
0
333,309
8,545
437,230
(112,466)
463,850
231,439
0
49,071
153,350
29,990
0
0
0
0
0
0
15,502
(10,095)
332
67,257
14,723
36,810
16,914
(10,728)
47,284
(30,654)
3,193
207,818
162,205
116,229
109,071
(31,359)
(40,328)
(62,434)
7,184
92,507
205,444
31,349
86,127
11,801
16,667
(22,854)
1,563
221,619
146,937
117,308
102,722
50,373
(40,051)
(35,441)
11,000
0.00%
0.00%
(15,275)
30,000
0.00%
0.00%
(19,422)
30,000
0.00%
0.00%
127,611
0
0.00%
0.00%
(123,741)
30,000
0.00%
0.00%
(156,102)
-10.11%
-7.37%
-0.92
-31.73%
-11.29%
-2.08
136.01%
50.23%
1.97%
-13.77%
-3.40%
-11.83%
-7.99%
-1.02
220.12%
35.00%
2.25%
528.98%
-51.64%
3.50%
-27.15%
-7.64%
-1.18
372.72%
-142.13%
1.06%
0.78
8.03%
0.47
13.26%
0.44
14.07%
0.53
8.13%
0.50
10.58%
72.95%
9.08
67.54%
8.64
35.59%
6.56
24.66%
28.14%
4.35
151.31%
63.36%
-204.39%
541.44%
440.46%

1.Investment income
2.Gross premium
3.Net premium
4.Gross claims
5.Net claims
E.Other items
2.Cash dividend

0.00%
G.Liquidity ratios

I.Cash flow ratio

229
2010
HOUSING FINANCE
In housing finance sector, there have been two companies available, i.e., Asian Housing Finance
Limited and House Building Finance Corporation (HBFC). Total assets witnessed an increase of 3.3
percent to stand at Rs 19.2 billion in FY10 as compared to Rs. 18.6 billion in FY09. House Building
Finance Corporation (HBFC) showed a profit before taxation of Rs140 million.

Total equity decreased from Rs 2.5 billion
in FY09 to Rs 2.2 billion in FY10,

same at Rs 3.1 billion in the last two
years. Total assets slightly increased from
6%
20.0
Billion Rs.
however share capital almost remained
25.0
10%
5%
0%
-5%
-10%
-15%
-20%
3%
15.0
10.0
5.0
Rs 18.6 billion in FY09 to Rs. 19.2 billion
-15%
0.0
in FY10, showing a growth of 3.3 percent.
Total Equity
Total
Liabilities
Total
Assets
2.5
16.1
18.6
2.2
17.1
19.2
-15%
6%
3%
FY 09
Current assets contributed 99.5 percent of
FY 10
Growth
total assets in FY10. Total Liabilities
increased from Rs 16.1 billion in FY09 to Rs 17.1 billion in FY10, recording a growth of 6.3 percent.
Profitability
and
Operating
Efficiency
1,800
Gross revenue increased from Rs 1.3

showing an increase of around 21.3
percent.
Administrative
and
Million Rs
1,400
1,000
600
general
200
expenses contributed 89 percent of gross
-200
revenue in FY10 as against a contribution

of over 100 percent in FY09. Loss after
Revenue
Admin. &
General Exp.
Profit before
Tax
Profit after
Tax
FY 09
1,282
FY 10
1,556
1,298
-79
-31
1,387
133
-35
tax at Rs 31.5 million in FY09 increased by 10.5 percent to Rs 34.8 million in FY10.
230
Housing Finance Companies - Overall

Items
1.Share capital
2.Statutry reserves
(Thousand Rupees)
2009
2010
2006
2007
2008
143,198
130,909
2,575,852
2,546,595
2,163,496
126,164
126,164
3,127,164
3,127,164
3,127,164
12,973
12,973
498,463
498,463
520,969
(1,049,775)
(1,079,032)
(1,484,637)
4,061
2010
(8,228)
2,685
2,685
2,685
2,107
(16,074)
28,823
23,971
15,778,578
16,054,310
17,052,249
15,022
23,851
15,778,578
16,031,728
17,052,249
2.Non-current liabilities (a + b)
13,801
120
22,582
966
22,582
b.Long term finance
12,835
120
174,706
157,565
18,357,115
18,603,012
19,199,671
138,733
117,423
18,323,522
18,530,061
19,166,078
590
309
704,067
219,559
60,568
138,143
117,114
17,619,455
18,310,502
19,105,510
35,973
40,142
33,593
72,951
33,593
a.Investment in housing finance
10,289
11,098
9,188
13,622
9,188
b.Other assets
25,684
29,044
24,405
59,329
24,405
1.Revenue
11,903
3,980
3,068,036
1,282,353
1,560,725
2.Admin. & general expense
19,312
16,248
1,227,434
1,297,638
1,383,825
(7,410)
(12,268)
(2,841)
(79,008)
135,947
(7,470)
12,289
(389,881)
(31,479)
(32,003)
12,616
12,616
312,716
312,716
312,716
4.Others
a.Lease finance
E.Other items
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(16,397)
(13,691)
(227,022)
651,531
2,321,732
-5.22%
9.39%
-15.14%
-1.24%
-1.48%
-4.68%
9.19%
-15.12%
-1.22%
-1.49%
-0.17%
N/A
N/A
-4.28%
7.80%
-2.12%
-0.17%
-2.61
-1.32
-432.04
-16.42
10.18
-0.59
0.97
-1.25
-0.10
-0.10
0.34%
0.20%
3.84%
1.18%
0.32%
9.24
4.92
1.16
1.16
1.12
G.Liquidity ratios
2.Cuurent assets to current liabilities (C1/B1)
0.16
0.15
0.86
0.86
0.89
4.Investment to total assets (C2a/C)
5.89%
7.04%
0.05%
0.07%
0.05%
81.97%
83.08%
14.03%
13.69%
11.27%
11.35
10.38
8.24
8.14
6.92
2.20
-1.11
0.58
-20.70
-72.55
-1.09
-0.57
-0.01
0.04
0.14

I.Cash flow ratio

1.Cash generated. from operating activities to profit after tax (E4/D4)
2.Cash generated from operating activities to current liabilities (E4/B1)
231
Asian Housing Finance Ltd.

Items
1.Share capital
2.Statutry reserves
(Thousand Rupees)
2009
2010
2006
2007
2008
143,198
130,909
126,585
125,688
126,585
126,164
126,164
126,164
126,164
126,164
12,973
12,973
12,973
12,973
12,973
(8,228)
(12,552)
(13,449)
(12,552)
4,061
2010
2,685
2,685
2,685
2,685
2,685
28,823
23,971
17,256
36,983
17,256
15,022
23,851
17,256
14,401
17,256
13,801
120
22,582
966
22,582
b.Long term finance
12,835
120
174,706
157,565
146,526
165,356
146,526
138,733
117,423
112,933
92,405
112,933
590
309
779
790
779
138,143
117,114
112,154
91,615
112,154
35,973
40,142
33,593
72,951
33,593
10,289
11,098
9,188
13,622
9,188
b.Other assets
25,684
29,044
24,405
59,329
24,405
1.Revenue
11,903
3,980
11,811
13,544
11,811
19,312
16,248
11,085
14,093
11,085
(7,410)
(12,268)
(4,264)
(896)
(4,264)
(7,470)
12,289
(4,324)
(896)
(4,324)
12,616
12,616
12,616
12,616
12,616
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(16,397)
(13,691)
12,129
3,720
12,129
-5.22%
9.39%
-0.03%
-0.71%
-3.42%
-4.68%
9.19%
-0.03%
-0.59%
-3.34%
4.Others
a.Lease finance
E.Other items
-4.28%
7.80%
-0.03%
-0.54%
-2.95%
-2.61
-1.32
-2.60
-15.73
-2.60
-0.59
0.97
-0.34
-0.07
-0.34
0.34%
0.20%
0.01%
0.48%
0.53%
9.24
4.92
6.55
6.42
6.54
G.Liquidity ratios
0.16
0.15
0.12
0.22
0.12
5.89%
7.04%
0.06%
8.24%
6.27%
81.97%
83.08%
0.86%
76.01%
86.39%
11.35
10.38
10.03
9.96
10.03
2.20
-1.11
-2.81
-4.15
-2.81
-1.09
-0.57
0.70
0.26
0.70

I.Cash flow ratio

232
HOUSE BUILDING FINANCE COMPANY LIMITED
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
2,449,267
2,420,907
2,036,911
1.Share capital
3,001,000
3,001,000
3,001,000
2.Statutry reserves
485,490
485,490
507,996
(1,037,223)
(1,065,583)
(1,472,085)
4.Others
(578)
(18,759)
15,761,322
16,017,327
17,034,993
15,761,322
16,017,327
17,034,993
Items
a.Lease finance
b.Long term finance
18,210,589
18,437,656
19,053,145
18,210,589
18,437,656
19,053,145
218,769
59,789
703,288
17,507,301
18,218,887
18,993,356
b.Other assets
1.Revenue
3,056,225
1,268,809
1,548,914
1,216,349
1,283,545
1,372,740
1,423
(78,112)
140,211
(385,557)
(30,583)
(27,679)
300,100
300,100
300,100
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(239,151)
647,811
2,309,603
-15.74%
-1.26%
-1.36%
-15.74%
-1.26%
-1.37%
-2.12%
-0.17%
-0.15%
854.78
-16.43
9.79
-1.28
-0.10
-0.09
3.86%
1.19%
0.31%
1.16
1.15
1.12
E.Other items
G.Liquidity ratios
0.87
0.87
0.89
0.00%
0.00%
0.00%
13.45%
13.13%
10.69%
8.16
8.07
6.79
0.62
-21.18
-83.44
-0.02
0.04
0.14
I.Cash flow ratio
233
2010
VENTURE CAPITALS
Venture Capital reflected contraction in balance sheet size during the period under review. Total
equity also contracted by around 257 percent during FY10. Total assets base stood at 6.2 billion in
FY10. Venture Capital showed losses before and after taxation at Rs 1.3 billion & Rs 1.1 billion
respectively in FY10.
Analysis of Balance Sheet
Total equity is negative Rs 1.3
8.0
billion in FY10 due to heavy

Pakistan Limited. Total assets
6.0
Billion Rs.
unappropriated losses by TRG
6%
4.0
2.0
0.0
declined from Rs 6.8 billion in
-257%
-2.0
FY09 to Rs 6.2 billion in FY10,

showing a decline of 9.0 percent.
Total Equity
Total Liabilities
Total Assets
CY 09
-0.4
6.4
6.8
CY 10
-1.3
6.8
6.2
-257%
6%
-9%
Growth
In composition of total assets,
-9%
50%
0%
-50%
-100%
-150%
-200%
-250%
-300%
current assets comprised of 57.8 percent while 42.2 percent are non-current assets. Total Liabilities
increased from Rs 6.4 billion in FY09 to Rs 6.8 billion in FY10, recording a growth of around 5.9
percent. Venture investment declined by 38.9 percent in FY10 over FY09.
Profitability and Operating

Efficiency
Revenue
12.0
10.4 billion in FY09 to Rs 10.8
10.0
billion in FY10, witnessing an
8.0
increase of around 3.1 percent.

Administrative
and
general
expenses which were Rs 3.3
Billion Rs.
Gross revenue increased from Rs
Admin & Opr. Expense
Financial Charges
10.7
10.4
6.0
3.3
4.0
2.0
3.0
0.3
0.3
0.0
CY 09
billion during FY09 declined to
CY 10
around Rs 3.0 billion registering a decrease of 8.7 percent. Ratio of administrative and general
expenses to gross revenue which stood at around 31.6 percent in FY09 came down to 27.9 percent in
FY10. Venture Capitals however, suffered heavy losses again in FY10. Losses before and after tax
stood at Rs. 1.3 billion and Rs. 1.1 billion respectively in FY10.
234
2010
Venture Capital - Overall

Items
1.Share capital
2.Reserves
4.Others


(Thousand Rupees)
2009
2010
2006
2007
2008
2,469,945
3,835,782
3,795,510
2,723,692
4,168,907
4,168,907
4,205,980
290,145
237,605
(4,871,427)
(5,783,076)
(253,747)
2010
(333,125)
(373,397)
(375,302)
(1,339,491)
4,205,980
4,423
12,000
769,105
743,249
1,656,455
220,219
247,193
6,390,690
6,769,505
1,607,231
54,861
224,871
5,765,399
6,348,032
49,224
165,358
22,322
625,291
421,473
4,130,823
4,056,001
4,054,703
6,784,493
6,173,263
117,301
146,100
144,913
2,728,074
3,565,932
50,824
8,821
6,496
321,524
542,959
b.Others
66,477
137,279
138,417
2,406,550
3,022,973
4,013,522
3,909,901
3,909,790
4,056,419
2,607,331
3,862,483
3,862,483
3,862,483
3,929,756
2,399,507
151,039
47,418
47,307
126,663
207,824
1.Revenue
66,066
30,045
20,342
10,367,521
10,687,505
2.Admin. & operating expense
47,981
47,794
48,378
3,270,874
2,987,472
157,109
53,967
55,628
288,659
259,362
(139,283)
(79,379)
(65,588)
(1,935,167)
(1,288,559)
(139,283)
(79,379)
(91,307)
(1,948,392)
(1,077,458)
272,369
416,891
416,891
420,598
420,598
a.Venture investment
b.Others
3.Financial charges
E.Other items
N/A
2.Cash dividend
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
(115,064)
(73,203)
(79,925)
(229,951)
-5.64%
-2.07%
-2.41%
519.15%
80.44%
-5.52%
-1.98%
-2.38%
-191.19%
616.50%
-3.37%
-1.96%
-2.25%
-28.72%
-17.45%
-210.82%
-264.20%
-448.86%
-18.79%
-10.08%
72.63%
159.07%
237.82%
31.55%
27.95%
-0.51
-0.19
-0.22
-4.63
-2.56
1.23%
0.22%
0.16%
4.74%
8.80%
0.07
2.66
0.64
0.47
0.56
0.40
0.05
0.06
0.94
1.10
59.79%
94.57%
93.61%
-5.53%
-21.70%
9.07
9.20
9.10
-0.89
-3.18
0.83
0.92
0.88
0.12
-0.10
-0.07
-1.33
-0.36
-0.04
0.02

N/A
107,019

5.Admin. expense to revenue (D2/D1)
G.Liquidity ratios

I.Cash flow ratio

236
AKD Capital Ltd.
2010
(Thousand Rupees)
2009
2010
2006
2007
2008
14,727
15,757
1.Share capital
25,073
25,073
2.Reserves
752
752
(11,098)
(10,068)
4.Others
20,891
20,891
17,025
4,397
17,025
4,397
Items

52,643
41,045
35,590
35,486
396
380
b.Others
35,194
35,106
17,053
5,559
7,033
5,539
b.Others
10,020
20
1.Revenue
(37,165)
5,354
13,998
3,191
6
3.Financial charges
172
(14,207)
1,759
(14,207)
1,030
2,507
2,507
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
(19,148)
3,531
-96.47%
6.54%
-39.89%
2.81%
-26.99%
2.51%
-37.66%
59.60%
0.41
E.Other items
38.23%
19.24%
-5.67
0.75%
0.93%
8.07
G.Liquidity ratios
2.09
0.32
0.11
27.98%
38.39%
5.87
6.29
1.35
3.43
-1.12
0.80
I.Cash flow ratio
237
AMZ Venture Capital

Items
1.Share capital
2.Reserves
4.Others

2010
(Thousand Rupees)
2009
2010
2006
2007
2008
275,596
259,222
233,655
222,187
222,187
300,000
300,000
300,000
300,000
300,000
(24,404)
(40,778)
(66,345)
(77,813)
(77,813)
170,014
187,171
213,055
244,337
244,337
124,827
23,856
193,519
244,337
244,337
45,187
163,315
19,536
445,610
446,393
446,710
466,524
466,524
21,065
102,602
103,815
124,373
124,373
21
207
14
21,044
102,395
103,801
124,366
124,366
424,545
343,791
342,895
342,151
342,151
304,128
304,128
304,128
304,128
304,128
b.Others
120,417
39,663
38,767
38,023
38,023
1.Revenue
11,624
14,005
4,542
18,926
18,926
11,876
4,383
2,586
1,334
1,334
3.Financial charges
17,854
26,511
27,952
29,212
29,212
(18,106)
(16,375)
152
428
428
(18,106)
(16,375)
(25,567)
(11,469)
(11,469)
30,000
30,000
30,000
30,000
30,000
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%

b.Others
E.Other items
0.00%
0.00%
0.00%
0.00%
0.00%
(14,235)
6,683
15,964
26,040
186,330
-6.57%
-6.32%
-10.94%
-5.16%
-5.16%
-5.64%
-3.88%
-10.10%
-5.16%
-5.16%
-4.06%
-3.67%
-5.72%
-2.46%
-2.46%
-155.76%
-116.92%
-562.90%
-60.60%
-60.60%
102.17%
31.30%
56.94%
7.05%
7.05%
-0.60
-0.55
-0.85
-0.38
-0.38
0.00%
0.05%
0.00%
0.00%
0.00%
0.17
4.30
0.54
0.51
0.51
0.38
0.42
0.48
0.52
0.52
61.85%
58.07%
52.31%
47.63%
47.63%
9.19
8.64
7.79
7.41
7.41
0.79
-0.41
-0.62
-2.27
-16.25
-0.11
0.28
0.08
0.11
0.76


G.Liquidity ratios

I.Cash flow ratio

238
TMT-Venture Capital
Items
1.Share capital
2.Reserves
2006
2007
2008
22,136
10,166
(4,539)
15,000
15,000
7,136
4.Others

(4,834)
2010
(Thousand Rupees)
2009
2010
1,146
1,146
15,000
27,000
27,000
(19,539)
(25,854)
(25,854)
12,000
1,976
3,833
4,923
7,681
7,681
1,008
1,790
2,137
6,415
6,415
968
2,043
2,786
1,266
1,266
24,112
13,999
12,384
8,827
8,827
21,971
9,778
7,378
6,437
6,437

b.Others
b.Others
415
2,387
255
21,556
7,391
7,123
6,428
6,428
2,141
4,221
5,006
2,390
2,390
2,141
4,221
5,006
2,390
2,390

1.Revenue
25,102
7,740
7,500
7,500
7,500
10,362
19,465
21,846
14,888
14,888
236
257
477
431
431
14,735
(11,970)
(14,706)
(6,315)
(6,315)
14,735
(11,970)
(14,706)
(6,315)
(6,315)
3.Financial charges
E.Other items
1,500
1,500
1,500
2,700
2,700
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
(3,630)
3,861
(12,142)
644
644
66.57%
-117.75%
3.24%
-551.05%
-551.05%
63.78%
-98.04%
-1.44%
-261.82%
-261.82%
61.11%
-85.51%
-1.19%
-71.54%
-71.54%
58.70%
-154.65%
-1.96%
-84.20%
-84.20%
41.28%
251.49%
-1.49%
198.51%
198.51%
9.82
-7.98
-9.80
-2.34
-2.34
1.72%
17.05%
0.02%
0.10%
0.10%
21.80
5.46
3.45
1.00
1.00
0.08
0.27
0.40
0.87
0.87
91.80%
72.62%
-0.37%
12.98%
12.98%
14.76
6.78
-3.03
0.42
0.42
-0.25
-0.32
0.83
-0.10
-0.10
-3.60
2.16
-5.68
0.10
0.10

2.Cash dividend
G.Liquidity ratios
I.Cash flow ratio
239
TRG Pakistan Limited

Items
1.Share capital
2.Reserves
4.Others


(Thousand Rupees)
2009
2010
2006
2007
2008
2,172,213
3,566,394
3,566,394
2,408,692
3,853,907
3,853,907
3,853,907
289,393
236,853
(4,756,662)
(5,669,341)
(236,479)
2010
(287,513)
(287,513)
(613,362)
(1,578,581)
3,853,907
4,423
748,214
722,358
1,484,465
29,215
29,215
6,121,647
6,513,090
1,481,396
29,215
29,215
5,497,622
6,092,883
3,069
624,025
420,207
3,661,101
3,595,609
3,595,609
6,256,499
5,656,867
74,265
33,720
33,720
2,561,674
3,399,636
50,388
6,227
6,227
321,112
542,563
b.Others
23,877
27,493
27,493
2,240,562
2,857,073
3,586,836
3,561,889
3,561,889
3,694,825
2,257,231
3,558,355
3,558,355
3,558,355
3,618,595
2,089,840
28,481
3,534
3,534
76,230
167,391
b.Others

1.Revenue
29,340
8,300
8,300
10,378,260
10,655,725
25,743
23,946
23,946
3,240,654
2,968,059
139,019
27,199
27,199
258,844
229,713
(135,912)
(51,034)
(51,034)
(1,915,073)
(1,284,431)
(135,912)
(51,034)
(51,034)
(1,916,401)
(1,060,704)
240,869
385,391
385,391
385,391
385,391
0.00%
0.00%
0.00%
0.00%
0.00%
3.Financial charges
E.Other items
2.Cash dividend
0.00%
0.00%
0.00%
0.00%
0.00%
(97,199)
(83,747)
(83,747)
(237,487)
(83,486)
-6.26%
-1.43%
-1.43%
312.44%
67.19%
-6.24%
-1.43%
-1.43%
-252.53%
243.27%
-3.71%
-1.42%
-1.42%
-30.63%
-18.75%
-463.23%
-614.87%
-614.87%
-18.47%
-9.95%
87.74%
288.51%
288.51%
31.23%
27.85%
-0.56
-0.13
-0.13
-4.97
-2.75
1.38%
0.17%
0.17%
5.13%
9.59%
0.05
1.15
1.15
0.47
0.56
0.41
0.01
0.01
0.98
1.15
59.33%
99.19%
99.19%
-9.80%
-27.91%
9.02
9.25
9.25
-1.59
-4.10
0.72
1.64
1.64
0.12
0.08
-0.07
-2.87
-2.87
-0.04
-0.01


G.Liquidity ratios

I.Cash flow ratio

240
Appendix
2010
2010
APPENDIX
Companies Covered in the Balance Sheet Analysis
As on 31st December 2010
Total Companies (174)
Sr.
#
A.
Company Name
Page
#
Banks (38)
Public Sector Commercial Banks (4)
Sr.
#
Company Name
Page
#
18
NIB Bank
52
19
SAMBA Bank Ltd.
53
First Women Bank Limited
30
20
SilkBank Limited (Saudi Pak Bank).
54
National Bank of Pakistan
31
21
Soneri Bank Ltd.
55
The Bank of Khyber
32
22
Standard Chartered Bank (Pakistan) Ltd.
56
The Bank of Punjab
33
23
Summit Bank
57
24
United Bank Ltd.
58
B.
Local Private Banks (24)
Albaraka (Pakistan) Ltd.
35
Allied Bank Ltd.
36
Askari Bank Ltd.
37
Industrial Dev. Bank of Pakistan
60
Atlas Bank Ltd.
38
The Punjab Provincial Cooperative Bank
61
Bank Al-Habib Ltd.
39
SME Bank Ltd.
62
Bank Al Falah Ltd.
40
Zarai Taraqiati Bank Ltd. (ZTBL)
63
Bank Islami Pakistan Ltd.
41
Burj Bank Ltd.
42
Dubai Islami Pakistan Bank ltd.
43
Barclays Bank PLC
65
10
Faysal Bank Ltd.
44
Citi Bank N.A
66
11
Habib Bank Ltd.
45
Deutsch Bank
67
12
Habib Metropolitan Bank Ltd.
46
HSBC Bank Middle East Ltd.
68
13
JS Bank
47
Oman International Bank SAOG
69
14
KASB Bank Ltd.
48
The Bank of Tokyo-Mitsubishi Ltd.
15
MCB Bank Ltd.
49
16
Meezan Bank Ltd.
50
17
Mybank Ltd
51
242
C.
Specialized Banks (4)
D.
Foreign Banks (6)
70
Development Finance
Institutions (7)
1
Pak Iran Joint Investment Company
75
Sr
.#
Company Name
Page
#
Sr.
#
2010
Company Name
Page
#
Pak Brunei Investment Company Limited
76
Security Investment Bank Ltd.
106
Pak China Investment Company Limited
77
Trust Investment bank Ltd.
107
Pak Kuwait Investment Company Limited
78
Pak Libya Holding Company Limited
79
Pak Oman Investment Company Limited
80
Al Meezan Mutual Fund
111
Saudi Pak Industrial & Agri. Inv CO. (PVT)

Ltd.
81
Asian Stocks Fund Limited
112
Atlas Fund of Funds
113
Leasing Companies (9)
Mutual Fund Companies (19)
Grays Leasing Ltd.
87
First Capital Mutual Fund Limited
114
Natover Lease & Refinance Ltd.
88
First Dawood Mutual Fund
115
Orix Leasing Pakistan Ltd.,
89
Golden Arrow Selected Stocks Fund

Limited
116
Pak-Gulf Leasing Company Ltd.
90
JS Growth Fund
117
SME Leasing Ltd.
91
JS Large Capital Fund
118
Saudi Pak Leasing Co. Ltd.
92
JS Value Fund
119
Security Leasing Corp. Ltd.
93
10
Meezan Balanced Fund
120
Sigma Leasing Corp. Ltd.
94
11
NAMCO Balanced Fund
121
Standard Chartered Leasing Limited
95
12
PICIC Energy Fund
122
13
PICIC Growth Fund
123
Investment Banks (8)

1
Escorts Investment Bank
100
14
PICIC Investment Fund
124
First Credit and Investment Bank
101
15
Pak Oman Advantage Fund
125
First Dawood Investment Bank
102
16
Pakistan Premier Fund Limited
126
IGI Investment Bank Ltd.
103
17
Pakistan Strategic Allocation Fund
127
Invest Capital Investment bank Ltd.
104
18
Safe-way Mutual Fund
128
JS Investments Ltd.
105
19
UBL Capital Protected Fund-I
129
243
Sr
.#
Company Name
Modarbas (25)
Page
#
Sr.
#
2010
Company Name
Page
#
24
Trust Modarba
156
25
UDL Modarba
157
Modarba Al-Mali
133
Al- Noor Modarba
134
Allied Rental Modaraba
135
B.F Modaraba
136
AA Exchange Company (Pvt.) Ltd.
161
B.R.R. Guardian Modaraba
137
Al-Hameed Int. Money Ex (Pvt.) Ltd.
162
Constellation Modarba
138
Al-Rahim Exchange Company (Pvt.) Ltd.
163
Crescent Standard Modaraba
139
Dollar East Exchange Company (Pvt.) Ltd.
164
Elite Capital Modarba
140
Fairdeal Exchange Company (Pvt.) Ltd.
165
Equity Modarba
141
Galaxy Exchange Company (Pvt.) Ltd.
166
10
Fidelity Leasing Modarba
142
H & H Exchange Company (Pvt.) Ltd.
167
11
First Imrooz Modaraba
143
Habib Currency Exchange (Pvt.) Ltd.
168
12
Habib Bank Modarba
144
Habib Qatar International Exchange Pakistan

Ltd.
169
13
Habib Modarba
145
10
M/S SIBL Exchange Co.
170
14
IBL Modarba
146
11
Malik Exchange (Pvt.) Ltd.
171
15
KASB Modarba
147
12
NBP Exchange Company Ltd.
172
16
National Bank Modarba
148
13
Noble Exchange International (Pvt.)
173
17
Pak Modarba
149
14
P B S Exchange Company (Pvt.) Ltd.
174
18
Paramount Modarba
150
15
Pakistan Currency Exchange Co. (Pvt.) Ltd.
175
19
Prudential Modarba
151
16
Paracha International Exchange Co. (Pvt.) Ltd
176
20
Punjab Modarba
152
17
Ravi Exchange Company Ltd
177
21
Standard Chartered Modarba
153
18
Riaz Exchange Co. (Pvt.) Ltd.
178
22
Treet Manufacturing Modarba
154
19
Royal International Exchange Company (Pvt.)

Ltd.
179
23
Tri-Star Modarba
155
20
Wall Street Exchange Company (Pvt.) Ltd.
180
244
Exchange Companies (20)
Sr
.#
Company Name
A.
Life Insurance Corporations (6)
Insurance Companies (42)
Page
#
Sr.
#
2010
Company Name
Page
#
15
International General Insurance Co. of

Pakistan Ltd.
207
American Life Insurance Company Ltd.
186
16
National Insurance Co., Ltd. (NICL)
208
Asia Care Health & Life Insurance Company

Ltd.
187
17
New Hampshire Insurance Co.
209
E.F.U. Life Insurance Company Ltd.
188
18
New Jubilee Insurance Co. Ltd.
210
East West Life Assurance Company Ltd.
189
19
Pakistan Reinsurance Co. Ltd.,
211
New Jubilee Life Insurance Company Ltd.
190
20
PICIC Insurance Ltd.
212
State Life Insurance Corporation Ltd.
191
21
Pakistan General Insurance Co. Ltd.
213
22
Pakistan Mutual Insurance Co., Ltd.
214
23
Premier Insurance Co., of Pakistan
215
24
Reliance Insurance Co., Ltd.
216
B.
Non-life Insurance Corporations (31)
Ace Insurance Aid Pacific Ltd.,
193
25
Saudi Pak Insurance Co., Ltd.
217
Adamjee Insurance Co., Ltd.
194
26
Security General Insurance Co., Ltd.
218
Alfalah insurance Company ltd.
195
27
Shaheen Insurance Co. Ltd.
219
Asia Insurance Co., Ltd.
196
28
Silver Star Insurance Co., Ltd.
220
Askari General Insurance Co., Ltd.
197
29
UBL Insurers Limited,
221
Atlas Insurance Limited. (Formerly Muslim

Insurance Co. Ltd.)
198
30
United Insurance Co., of Pakistan Ltd.
222
Capital Insurance Co., Ltd
199
31
Universal Insurance Co., Ltd.
223
Central Insurance Co., Ltd.
200
Century Insurance Co., Ltd.
201
10
E.F.U General Insurance, Ltd.
202
Dawood Family Takaful Ltd.
225
11
East West Insurance Co. Ltd.,
203
Pak Qatar Family Takaful Ltd.
226
12
Excel Insurance Co., Ltd.
204
Pak Kuwait Takaful Co., Ltd.
227
13
Habib Insurance Co., Ltd.
205
Pak Qatar General Takaful Ltd.,
228
14
Hallmark Insurance Co. Ltd.
206
Takaful Pakistan Ltd.,
229
245
C.
Takaful Companies (5)
Sr
.#
Company Name
Page
#
Sr.
#
Housing Finance (2)

1
Asian Housing Finance
232
House Building Finance Corporation Limited
233
Venture Capitals (4)

1
AKD Capital Limited
237
AMZ Ventures Limited
238
TMT Venture Limited
239
TRG Pakistan Limited
240
246
Company Name
2010
Page
#
2010
References
Books/Publications
A Report on Methodology Development of Financial Statement Analysis of Financial Sector
Development Project of Statistics and DWH Department 2006-07
SBPFinancial Sector Assessment, Various issues
Quarterly Performance Review of the Banking SystemSeptember 2006
SBP Prudential Regulations
Power of Cash Flow Ratios by Frank R. Urbancie.
Financial Statement Analysis by Stephen H. Penure
Bank Management, 6th Edition by Timothy W. Koch and S. Scott McDonald
Business Analysis and Valuation using financial Statements by Polepu Healy Bernard
Essential of Financial Analysis by George T. Friedlos, Lydia L. F. Schleifer
Financial Statement Analysis by John J.Wild, K.R Subramanyam and Robert F. Halsey (Eight Edition)
Financial Statement Analysis by Charles H. Gibson
Websites
www.credfinrisk.com/bank.html
www.iaccaribbean.com/ratios.asp
www.nationalbarken.dk
www.almprofessional.com/articles/98liquid.htm
www.stlouisfed.org/col/director/Materials/alll_basicratio_what.htm
www.woccu.org/bestpractices/pearls/aboutpearls
www.woccu.org/bestpractices/pearls/pearlsratios
www.muhanna.com/rating/niratio.htm
www.investopedia.com/articles/stocks/07/bankfinancialshighlights.asp
http://money.rediff.com/money/jsp/ratio.jsp?companyCode=14030055
www.business.uiuc.edu/pellinge/ratiosdefs.htm
http://money.rediff.com/money/jsp/ratio.jsp?companyCode=14030021
www.gdrc.org/icm/microcamel.html
www.investopedia.com/articles/stocks/07/bankfinancials.asp
www.investopedia.com/features/industryhandbook/insurance.asp
www.iaccaribbean.com/ratios.asp
http://faculty.philau.edu/lermackh/financial_analysis.htm
www.zeromillion.com/business/financial/financialratio.html
www.businesstools.org/analysis/analysis.html#choice
247
www.rusnauka.com/23_SND_2008/Economics/26747.doc.htm
www.nbp.pl/homen.aspx?f=en/SystemFinansowy/stabilnosc.html
www.islamiccenter.kaau.edu.sa/arabic/Magallah/Pdf/7/07Toreen_04.pdf
www.ifslearning.ac.uk/qualifications/tasters/pdf/mper_textexample.pdf
www.santanderconsumer.com/pdf/SCF%20CU2006%208Jun2007.pdf
www.pakistaneconomist.com/issue2001/issue46/cover.htm
www.sdb.lk/hy.htm
www.bot.or.th/bothomepage/databank/Financial_Institutions/New_Fin_Data/CB/Peer_T4E.asp
248
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Financial Statement Analysis of Financial Sector

FINANCIAL STATEMENTS ANALYSIS OF

Bil ion Rs.

Un Appropriated Profit (RE)

Total Shareholders Equity (SE)

Financial Statement Analysis of Financial Sector

Vision and Mission Statements of State Bank of Pakistan

Financial Statement Analysis of Financial Sector

Sr. Joint Director

Financial Statement Analysis of Financial Sector

Review and Financial Analysis

Appendix ........................................................................................................................................................... 242

Financial Statement Analysis of Financial Sector

(Dr Azizullah Khattak)

Financial Statement Analysis of Financial Sector

Financial Statement Analysis of Financial Sector

Financial Statement Analysis of Financial Sector

All Banks (overall)

Public Sector Banks

Private Sector Banks

Insurance Companies (overall)

Financial Statement Analysis of Financial Sector

Profit and Loss account

Statement of changes in Equity

Cash Flow Statement

Financial Statement Analysis of Financial Sector

1.2 Concepts and Definitions

Ordinary Share Capital or

Borrowing from Financial Institutions

Deposits and Other Accounts

Cash and Balances with Treasury Banks

Profit and Loss Account

Financial Statement Analysis of Financial Sector

Net Interest Income

No. of Ordinary Shares

Stock Dividend/Bonus Shares

Cash Generated from Operating Activities

Commitment and Contingencies

Financial Statement Analysis of Financial Sector

Term Deposit Certificates

Cash and Balances with Central Bank

Balances with Other Banks

Placement with Other Banks

Profit and Loss Account

Income from Operating Lease

Income from Investment

Profit/(Loss) before Tax

Income from Finances

Profit/(Loss) after Tax

No. of Ordinary Shares

Cash Generated from Operating Activities

Financial Statement Analysis of Financial Sector

Cash and Banks Balances

Long Term Investment

Profit and Loss Account

Administrative and Operating Expenses

Profit(Loss) before Tax

Profit(Loss) after Tax

No. of Ordinary Shares

Financial Statement Analysis of Financial Sector

Cash Generated from Operating Activities

Mutual Funds (Close Ended)

Payable to Investment Adviser